$165,000
6680 SPANISH MOSS, Keystone Heights, FL 32656, Keystone Heights, FL 32656
Bedford Oaks
- Price
- $165,000
- Beds / Baths
- 2 / 2
- Living area
- 1,154 sqft
- Year built
- 1994
- Type
- Residential
- Lot
- 0.92 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 24
$143/sqft asking, vs a $172/sqft median across 339 closed sales in 32656 over the last 12 months — 17% below the area's closed prices. Condition and lot vary; that's what a showing is for.
Agents are invited to bring buyers. Room for boats, cars, ATVs with lots of storage! Keystone Heights is a peaceful small town in North Central Florida known for its beautiful lakes, natural surroundings, and relaxed outdoor lifestyle. The area is surrounded by a unique chain of freshwater lakes, making it a wonderful place for boating, kayaking, swimming, nature, and fishing. Built in 1994, this home is move-in ready and provides the flexibility to enjoy it as-is or take on a complete remodel to make it your own. Everything is currently functional, including the plumbing, which provides very good water pressure, as well as the electrical system. The walls and carpeted areas could use new finishes, giving the next owner an opportunity to update the home to their own style and preferences. The skylights were sealed after previous leaks and are no longer leaking. Honestly, with a fresh coat of paint, new carpet (tiled areas are fine) and new kitchen cabinets, the interior could look very cozy at minimal cost. Window A/C units were added in the rooms as a conservative cooling option. The home is heated with gas and cooled with electricity, providing comfort throughout the seasons. During the cooler winter months, enjoy the cozy warmth and character of the pot-belly stove. The property also includes three sheds and a carport. The carport provides covered space for vehicles and boats, while the spacious workshop has plenty of room for projects, hobbies, tools, and storage. With a solid, functional foundation and plenty of potential, this home is ready for its next owner to move in, make improvements at their own pace, and create a space that truly feels like home.
What to check on this one
- Verify roof age and obtain inspection; homeowner's insurance requirement in FL.
- Confirm flood zone designation with FEMA map; check elevation certificate if needed.
- Document plumbing system type (polybutylene risk given 1994 build year).
- Inspect sealed skylights for water intrusion history and current condition.
- Verify septic system functionality and pumping records if on septic.
- Review HVAC system age; window units suggest main system may need replacement soon.
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
Loan $132,000 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 BEYCOME OF FLORIDA LLC. Data via realMLS (Northeast Florida MLS), updated Sep 1, 2026, 1:44 PM.
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