Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$280,000

5711 CARIBBEAN Circle, Keystone Heights, FL 32656, Keystone Heights, FL 32656

Big Tree Lakes

Price
$280,000
Beds / Baths
3 / 2
Living area
1,984 sqft
Year built
2014
Type
Residential
Lot
1.01 ac
Garage
2
HOA
None
CDD
No
Flood zone
Unknown
County
Clay
Days on market
176
Elementary
Keystone Heights
High school
Keystone Heights

$141/sqft asking, vs a $172/sqft median across 339 closed sales in 32656 over the last 12 months — 18% below the area's closed prices. Condition and lot vary; that's what a showing is for.

Enjoy peaceful living at this well maintained 2014 manufactured home which offers 3 bedrooms and 2 full baths. Features include a wood burning fireplace, and a large functional kitchen with walk-in pantry and 2 ovens. Upgraded tray ceilings, drywall interior, crown molding, and widened interior doors. Large master bathroom equipped with grab bars. The spacious laundry/utility room includes a sink and cabinets for storage. Enjoy outdoor living from the covered front porch or the back deck with a half covered roof. Property includes a 2 car detached garage with an attached office or workshop space equipped with A/C, a 16'x24' garage/workshop with 220 amp service, and an aluminum shed for additional storage. Outdoor amenities include a gazebo and private dock overlooking Smith Lake. Located in Big Tree Lakes just outside of town, minutes away from local restaurants, shopping, Gold head State Park, Keystone Beach, and the airport. Centrally located for easy commute to Jacksonville, Gainesville, or Palatka. HVAC replaced 2022.

What to check on this one

  • Verify flood zone designation and obtain elevation certificate for Smith Lake waterfront.
  • Confirm manufactured home tie-downs, foundation anchoring, and wind mitigation compliance.
  • Request HVAC 2022 replacement documentation and warranty details.
  • Obtain septic system inspection report and well water quality test results.
  • Verify private dock ownership, maintenance responsibility, and any lake association fees.
  • Review manufactured home insurance quotes—get pre-approval before offer.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$1,453/mo
Property tax (1.1% eff., Clay Co.)$257/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$2,002/mo

Loan $224,000 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of HELEN HERSEY REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 28, 2026, 7:44 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.