$760,000Active Under Contract3 bd · 3 ba · 3,750 sq ft
Active Under Contract·52 days on market
7120 Gas Line Road
Keystone Heights, FL 32656
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Keystone Heights
Priced $21k below recent appraisal! Welcome to your custom built over 3700 SF heat/cooled waterfront home! This well-constructed home is privately tucked away on over three acres, yet is convenient to town. Home includes 5928 SF total under roof with storage galore. The upper story is a spacious home within itself featuring a large custom kitchen, 10' ceilings, open living area, three bedrooms with walk in closets, two bathrooms with double sinks and whirlpool tubs. The primary bath also features double shower heads & a large custom closet. There are three doors leading to the upper deck and many windows throughout offering lovely views of the saltwater pool with beach entry & lake below. The kitchen features custom maple cabinets, two sinks and a breakfast bar. The kitchen leads to a large utility room housing laundry, pantry & abundant storage. From here is the oversized garage with 12' ceilings & 18x8 garage door. Additional lots on each side are available to the buyer of the home.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
The house sits in FEMA Zone X (minimal flood hazard)
Zone AE covers 17% of this 3-acre lot, away from the house; the rest is Zone X (minimal) 83%. The house's position comes from its roof outline in Google's aerial imagery, read against FEMA's map. The lender's flood determination, a survey or an elevation certificate makes it official.
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: Metal — year not disclosed (home built 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,721 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Cecil Field Conservation Corridorabout 28 mi · 24.6 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 1 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 4 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $9,426/yr
Estimated taxes if purchased at asking price: ~$14,000/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
- Nov 9, 2026Active Under Contract$760,000
- Sep 18, 2026Listed$760,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $184/sq ft; this home is listed at $203/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 6240 Payne Road, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Jul 2026 | $535,000 | $181 | 4/3 | 2,952 | 15 | 0.4 |
| 6615 Camelot Court, Keystone Heights, FL 32656Listed by EPIQUE REALTY, INC | May 2026 | $590,000 | $182 | 4/3 | 3,243 | 265 | 0.4 |
| 561 SE Lakeview Drive, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $600,000 | $196 | 5/4 | 3,068 | 365 | 2 |
| 5822 Silver Sands Circle, Keystone Heights, FL 32656Listed by ROBERT SLACK, LLC. | Aug 2025 | $450,000 | $149 | 3/2 | 3,020 | 78 | 2 |
| 1326 Chatauqua Way, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2025 | $540,000 | $193 | 3/2 | 2,791 | 605 | 2.8 |
| 7700 Clover Lane, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2025 | $485,000 | $184 | 4/3 | 2,635 | 141 | 2.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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
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