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7980 STATE ROAD 100, Keystone Heights, FL, 32656

3beds
2baths
1,690sqft
$345,000
$204price/sqft
$2,555/moest. monthly cost
$102,200/yrincome needed

About This Home

MOTIVATED SELLER - BRING YOUR OFFERS! This completely remodeled home is move-in ready and packed with valuable updates, giving buyers peace of mind from day one. Enjoy a new HVAC (2025) with a transferable warranty, new water heater (2025), and all kitchen appliances include transferable warranties. The roof was replaced in 2017, making this home an exceptional value. The beautifully renovated interior features modern finishes, an inviting open layout, and a spacious primary suite, while the oversized lot provides plenty of room to relax, entertain, or enjoy the peaceful surroundings. To provide additional privacy, the seller will install fencing along the left side of the home adjacent to the easement. Even better, the seller is open to contributing toward the buyer's closing costs and prepaids with an acceptable offer, helping make homeownership more affordable. If you're looking for a great buying experience with an agent and seller CALL/TEXT LISTING AGENT ADRIANA.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1987

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Microwave,Refrigerator

Bedrooms & Bathrooms

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

Features

  • Open Floorplan,Pantry,Primary Bathroom -Tub with Separate Shower,Walk-In Closet(s)
  • Fireplace features: Other
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,690 sqft

Property

Details

  • Parcel number: 28082302179000000

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Porch
  • Fencing: Fenced
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 0.68 Acres
  • Features: Cleared,Easement Access

Parking

  • Parking features: Attached

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 $1,744$20,928
Home Insurance *$218$2,616
Property Taxes $396$4,752
Electricity $197$2,366
Total$2,555$30,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,600/yr
40% on housing$76,650/yr
45% on housing$68,133/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

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 32656$152
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)

Price History

DateEventPrice
2026-07-16Price change$345,000
2026-06-22Price change$369,900
2026-06-03Price change$389,000
2026-05-20Listed for sale$399,900
2025-10-14Sold$164,000
2025-09-27Pending sale$172,500
2025-09-18Price change$172,500
2025-07-09Listed for sale$190,000
2003-11-25Sold$88,000

For Sale by Agent

AgentADRIANA ELLIS-FOOTMAN
BrokerageBOLD CITY REALTY GROUP INC

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