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Active·10 days on market

240 SW Pecan Street

Keystone Heights, FL 32656

$265,000$156/sqftEst. $1,415/moMLS# 2164906
3
Beds
2
Baths
1,700
Sq Ft
1963
Built
—
Garage
No
Pool
FEMA Zone XNo HOA16,988 sqft lotSingle Family Residence1 story

About this home

Keystone Heights

This 3-bedroom, 2-bath block home sits on a corner lot on a.385-acre property. You will appreciate the practical outdoor setup, including a 20x24 carport with a 10x16 enclosed storage area underneath. Inside, there is a fireplace for cozy evenings, along with new central air for year-round comfort. The electric has been upgraded, giving you peace of mind. The yard is fenced, offering a bit more privacy and flexibility for outdoor use. There is a sprinkler system to keep your yard nice and Green.Convenience matters too, and you are just one block from the schools, making mornings and afternoons easier.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$1,415
Property taxesest. at asking price, Clay County$406
Estimated total, before insurance$1,821/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,081/yr · $90/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$265,000
$53,000
Loan Term
Monthly Payment
$1,415
Principal & Interest: $1,415
Property taxes (est.): $406
Insurance (est.): $177
Estimated Total Monthly
$1,997
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1963)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from Clay County Utilities per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,667 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Sun & Light

Northwest-facing backyard — summer sunsets, gentle days

The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:19 AM, sunset 7:20 PM.

  • The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
  • Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,081/yr

Estimated taxes if purchased at asking price: ~$4,900/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Sep 15, 2026Listed$265,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$265,000
Price / Sq Ft$156
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,700
Acres0.39 acres
Year Built1963
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo
Direction FacesSoutheast

School Information

ElementaryKeystone Heights
MiddleWilkinson
HighKeystone Heights

Community Information

Address240 SW Pecan Street, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionKeystone Heights
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size16,988.4 sq ft
Parcel Number19082302225200000

Amenities

Community FeaturesSidewalks
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingCarport, Covered

Interior

Interior FeaturesPantry
AppliancesElectric Range, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear
FencingWire
RoofShingle
ConstructionBlock, Concrete

Additional Information

Date ListedSeptember 15, 2026
Days on Market4
Tax Amount$1,081.43
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AXEN REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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