665 SE HERON STREET, KEYSTONE HEIGHTS, FL, 32656
Active144 days on marketListed May 21, 2026MLS #GC540505
About this home
665 SE HERON STREET
Seller is offering a $10,000 credit toward the buyer's closing costs or rate buy down, and this home comes with a 3.5% assumable mortgage, a rare opportunity in today's market. Plus, this property features a private two story, 728 square foot ADU (Accessory Dwelling Unit) with built in cashflow potential to help offset your monthly mortgage payment. Welcome to a home that's been methodically upgraded from the roof down, offering the kind of peace of mind that only comes from a property that's been truly cared for. Nestled in the serene Keystone Heights community, this home sits within walking distance of Keystone Beach Park, downtown shops, restaurants, and local businesses. It sits between two vacant lots, has city water, and no HOA. Inside, large windows fill the living room, kitchen, and dining areas with natural light, while fresh luxury vinyl plank flooring (2024) runs throughout the main living areas for a clean, modern feel underfoot. The main house offers 1,552 square feet and tells a story of smart, sustained investment. A metal roof (2015) has stood strong for over a decade, brand new AC ductwork (2023) and a new AC unit (2026) ensure efficient, reliable climate control, and newly upgraded attic insulation to R30 (2026) means lower energy bills year round. The septic system was professionally cleaned and serviced (2026), so the next owner starts fresh with zero deferred maintenance. A renovated garage storage area (2021) adds organized space for tools, equipment, or hobby storage. The private ADU received its own round of major upgrades: a new metal roof (2024) and new water heater (2024), giving occupants privacy, comfort, and confidence. A 575 square foot office or storage room underneath the ADU adds even more flexible space, ideal for a home business, workshop, or additional storage. Whether you're looking for a finished home with potential supplemental income, space for extended family, or a private home office, this is a rare opportunity in Keystone Heights. Private financing is also available through the seller.
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
2,041
Sqft
0.24 ac
Lot size
2
Garage
1959
Year built
One
Levels
$159
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,595 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,595/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−10.8%
$/sqft vs Keystone Heights actives
$159 vs $177
Days on market
144 vs 87 typical
Where $159/sqft sits among the 33 Keystone Heights actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Keystone Heights
Get to know Keystone Heights. See the full Keystone Heights guide →
KEYSTONE HEIGHTS 32656 — neighborhood snapshot
Population
15,630
Median age
40.4
Median income
$73,201
Median home value
$202,900
Avg household
2.74
Households w/ children
2,259
For the school run
Clay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Keystone Heights market
$300K → $295K
Keystone Heights median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
14 of 33
Keystone Heights actives have cut their price
Median sold price, Keystone Heights, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 113% above the KEYSTONE HEIGHTS 32656 median. See the full Keystone Heights market guide →
Paper trail
This home's history
Reality check
What actually sold near 665 SE HERON STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$375,000
6836 WOMANS CLUB DRIVE · same community
3 bd · 2 ba · 1,804 sqft · $208/sqft · 345 DOM
Sold · Mar ’26$275,000
420 SE PALMETTO AVENUE · same community
3 bd · 2 ba · 1,686 sqft · $163/sqft · 96 DOM
Sold · Aug ’26$600,000
561 SE LAKEVIEW DRIVE · same community
5 bd · 4 ba · 3,068 sqft · $196/sqft · 393 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 665 SE HERON STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 665 SE HERON STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
665 SE HERON STREET FAQs
What would the monthly payment be for 665 SE HERON STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,595/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 665 SE HERON STREET?+
The most recent tax bill on record (2025) was $4,531. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Keystone Heights?+
At $325,000, this home is listed about 16% above the Keystone Heights median of $279,950. The market section on this page shows how the area is trending.
Which schools are assigned to 665 SE HERON STREET?+
Keystone Heights Elementary (elementary), Keystone Heights Junior/Senior High (high) — Clay County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Paul Curlings. MLS #GC540505.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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