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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$229,000

499 58TH Street, Keystone Heights, FL 32656

Bedford Oaks

Price
$229,000
Beds / Baths
3 / 2
Living area
1,484 sqft
Year built
1960
Type
Residential
Lot
0.59 ac
Garage
0
HOA
None
CDD
No
Flood zone
Unknown
County
Bradford
Days on market
18
Middle
Bradford
High school
Bradford

Nestled beneath a canopy of beautiful, mature oak trees, this charming 3-bedroom, 1.5-bath home is full of character and peaceful country appeal. Tucked away on a quiet street just minutes from town, you'll enjoy the perfect balance of privacy and convenience. Step inside an inviting open-concept living space featuring stylish concrete countertops, open shelving, with plenty of room to cook and converse with friends and family. There is also a spacious laundry room just off the kitchen with plenty of room for storage. Outside, you'll find a thousand square feet of decks that invite you to relax with your morning coffee or unwind after a long day. There is an outdoor shower perfect for rinsing off after gardening or simply enjoying the fresh air. A bonus to the property is 1/20 ownership interest in Tract E, located in the back of the property, which accesses Lil Lake Bedford. There is a 12 x 24 aluminum shed on the property with electricity. This charming property is a must see today.

What to check on this one

  • Verify roof age and get insurance quote—1960 home may face insurer restrictions.
  • Confirm plumbing type (cast-iron/polybutylene common in 1960s); get inspection.
  • Check septic system age, maintenance records, and soil perk test status.
  • Obtain survey and clarify 1/20 Tract E lake access rights, restrictions, maintenance obligations.
  • Verify flood zone officially—Bradford County/Keystone Heights specifics; request elevation certificate.
  • Inspect foundation, HVAC age, and electrical panel condition given 66-year age.

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$1,188/mo
Property tax (1.1% eff., Bradford Co.)$210/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$1,690/mo

Loan $183,200 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 CENTURY 21 LAKESIDE REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 3, 2026, 6:29 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.