5487 Jefferson Street

• • 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.

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.

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.

• Sep 18, 2026Listed$259,899

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

• 

  Pending

  5536 Jefferson Street

  Keystone Heights, FL 32656

  3 bd · 2 ba · 1,512 sq ft

  $259,899Est. $1,383/mo

  *** Another Gem Just Completed *** This quality-built truly affordable home has no equal!! Located in quaint and…

  Listing Office: gifford properties & management inc

• 

  For Sale

  7656 Silver Sands Road

  Keystone Heights, FL 32656

  4 bd · 2 ba · 1,920 sq ft

  $265,000Est. $1,410/mo

  Brand new 2026 construction, never lived in, move in ready. 4 bedroom, 2 bath, 1,920 square feet, no HOA, on a PAVED…

  Listing Office: pursuit real estate, llc

• 

  For Sale

  5784 County Road 214

  Keystone Heights, FL 32656

  5 bd · 3 ba · 2,000 sq ft

  $267,900Est. $1,426/mo

  Discover this beautifully designed 5-bedroom, 3-bath new home situated on over an acre of private, peaceful land. This…

  Listing Office: beycome of florida llc

• 

  For Sale

  5674 Caribbean Circle

  Keystone Heights, FL 32656

  4 bd · 2 ba · 1,484 sq ft

  $279,000Est. $1,485/mo

  Brand New Mobile Home built in 2026 / 4 bedroom 2 bath. Never Lived in on 1.13 acres with pond stocked with KOI. Fenced…

  Listing Office: united real estate gallery