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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$359,900

7218 STATE RD 21, Keystone Heights, FL 32656, Keystone Heights, FL 32656

North Shores

Price
$359,900
Beds / Baths
3 / 2
Living area
2,000 sqft
Year built
2026
Type
Residential
Lot
0.465 ac
Garage
2
HOA
None
CDD
No
Flood zone
Unknown
County
Clay
Days on market
11

$180/sqft asking, vs a $172/sqft median across 339 closed sales in 32656 over the last 12 months — 5% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Don't miss your chance to own your dream home on a spacious .465 acre lot! This stunning new construction home offers 3 bedrooms, 2 bathrooms, a dedicated office, a formal dining room, and a 2-car garage, all thoughtfully designed with modern comfort and functionality in mind. The kitchen features 42-inch soft-close shaker cabinetry, quartz countertops, and an open layout that flows seamlessly into the main living spaces, perfect for both everyday living and entertaining. Elegant tray ceilings add character throughout the home, while the luxurious primary suite provides a private retreat with dual walk-in closets and a spa-inspired ensuite featuring a freestanding soaking tub, separate shower, and double vanity. Step outside and enjoy the privacy and possibilities of a nearly half-acre homesite, with plenty of room to create your ideal outdoor living space. With No HOA or CDD you have the freedom to make this property truly your own! Home is not yet completed, final specs may vary. Estimated completion, October 2026.

What to check on this one

  • Verify actual flood zone designation with Clay County Property Appraiser—critical for insurance.
  • Confirm final roof age/material and obtain builder's roof warranty documentation.
  • Request builder's completion timeline and final specifications before closing.
  • Clarify septic vs. municipal sewer service for this Keystone Heights lot.
  • Obtain well/water service details and any treatment system specs from builder.
  • Review final electrical, plumbing, and HVAC warranties and builder guarantees.

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$1,867/mo
Property tax (1.1% eff., Clay Co.)$330/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$2,489/mo

Loan $287,920 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 RIVER CITY RENTALS AND REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 21, 2026, 11:36 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.