$420,0004 bd · 2 ba · 2,310 sq ft
Active·11 days on market
4565 SE 3rd Place
Keystone Heights, FL 32656
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Keystone Heights
Welcome to this elegant 4-bedroom, 2-bath home nestled in one of the area's most prestigious neighborhoods. With solid concrete block/stucco construction, this residence exudes quality and durability. The open floor plan is ideal for family gatherings, featuring a cozy fireplace, soaring cathedral ceilings, and and stunning access to the screened-in lanai, perfect for outdoor living and entertaining. The owner's sanctuary is an expansive retreat, offering ample room for additional furniture and a large walk-in closet. The luxurious en-suite bath is complete with a soothing soaker tub and a walk-in shower, providing a true spa-like experience. Additional features include a fenced backyard. providing privacy and space for outdoor activities, as well as a generous laundry room and an oversized two-car garage. A brand new roof installed in 2025 ensures peace of mind for years to come. This home is brimming with quality, comfort, and functionality, making it the perfect place to call 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.
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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
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 — 2025 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Septic system (public record) · Private well (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).
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of October 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
Mike Roess Gold Head Branch State Parkabout 7 mi · 13 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 3 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 7 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.
History
Price & status history
- Oct 20, 2026Active$420,000
- Oct 19, 2026Listed$420,000
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 $182/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4660 SE 3rd Place, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Sep 2026 | $357,000 | $177 | 2/2 | 2,015 | 21 | 0.1 |
| 4455 SE 3rd Place, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Mar 2026 | $359,000 | $180 | 3/2 | 2,000 | 83 | 0.1 |
| 4842 SE 2nd Avenue, Keystone Heights, FL 32656Listed by JPAR CITY AND BEACH | Jan 2026 | $308,000 | $129 | 3/2 | 2,381 | 141 | 0.3 |
| 618 SE 44th Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Aug 2026 | $300,000 | $184 | 2/2 | 1,633 | 287 | 0.4 |
| 7480 Paradise Lake Drive, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTY | Jul 2026 | $322,000 | $184 | 4/2 | 1,752 | 148 | 0.4 |
| 6836 Womans Club Drive, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Nov 2025 | $375,000 | $208 | 3/2 | 1,804 | 347 | 0.5 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CB ISAAC REALTY
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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