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475 SW NIGHTINGALE Street, Keystone Heights, FL, 32656

3beds
2baths
1,360sqft
$199,900
$147price/sqft
$1,645/moest. monthly cost
$65,800/yrincome needed

About This Home

Concrete Block Home! This comfortable 3 bedroom 1.5 bath house has 1360 sq ft of living space and sits on 0.27 acres of land. Open concept! Updated with new luxury vinyl plank flooring in the living room and hallway, new French doors off the dining area, and fresh coat of paint inside and out. The home has a custom painted concrete floor in the kitchen-dining area, carpet in the bedrooms, and an attic fan in the hallway. The hallway half bathroom is connected to the primary bathroom by a shared bathtub. The property has a fenced backyard with plenty of shade and is located just over half a mile from Keystone Heights schools. Don't miss out on this great opportunity!

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 1984

Materials

  • Roof: Shingle
  • Construction materials: Block,Concrete

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Open Floorplan
  • Flooring: Carpet,Concrete

Heating & Cooling

  • Heating features: Central,Heat Pump
  • Cooling features: Attic Fan,Central Air

Interior Area

  • Total structure area: 1,963
  • Total interior livable area: 1,360 sqft

Property

Details

  • Parcel number: 19082302254700100

Features

  • Stories: 1
  • Fencing: Back Yard

Lot

  • Lot size: 0.27 Acres

Parking

  • Parking features: Other

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Hurricane
Heat Wave
Inland Flooding
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Clay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,010$12,120
Home Insurance *$126$1,512
Property Taxes $312$3,744
Electricity $197$2,366
Total$1,645$19,740
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,400/yr
40% on housing$49,350/yr
45% on housing$43,866/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.5%
16.5%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.5%
4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$147This listing

vs Other Active Listings

Avg $/sqft

ZIP 32656$153
Clay County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 32656$184
Clay County$181

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-10Price change$185,000
2026-07-10Listed for sale$199,900
1997-02-04Sold$65,000

For Sale by Agent

AgentJANIS WATERS
BrokerageTREVOR WATERS REALTY, INC.

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