240 SW Pecan Street, Keystone Heights, FL 32656
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 6, 2026, 240 SW PECAN Street in Keystone Heights is listed at $265,000 (1,700 sq ft, about $156 per sq ft). That sits within a few percent of Keystone Heights's median closed sale of $275,000 over the last 12 months (21 recorded sales). Per square foot it is below the community's recent $178/sq ft by about 12%. It has been 24 days on market, well inside the community's typical 67 days. Listing facts: built in 1963, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1963 · 63 yrs
- 1,700 sq ft of living area
- Listed at $265,000 — recent neighborhood median sale price ~$275,000 (nearby sales; deemed reliable, not an appraisal)
- 24 days on market
- No HOA reported by the listing (confirm)
About this home
This 3-bedroom, 2-bath block home sits on a corner lot on a.385-acre property. You will appreciate the practical outdoor setup, including a 20x24 carport with a 10x16 enclosed storage area underneath. Inside, there is a fireplace for cozy evenings, along with new central air for year-round comfort.
The electric has been upgraded, giving you peace of mind. The yard is fenced, offering a bit more privacy and flexibility for outdoor use. There is a sprinkler system to keep your yard nice and Green.
Convenience matters too, and you are just one block from the schools, making mornings and afternoons easier.
All 17 photos
Description provided by AXEN REALTY LLC and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $1,451/mo 78%
- Taxes $269/mo 14%
- Insurance $144/mo 8%
$1,863/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Clay County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Clay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Keystone Heights market
How this home is priced against recent nearby sales, and where Keystone Heights has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Keystone Heights
Each dot is a closed sale since 2001 (350 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $156/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 37 (cold).
This home’s history
- 1963BuiltPer public record
- About Sep 2026Listed (per MLS)MLS reports 24 cumulative days on market as of October 6, 2026
- Sep 16, 2026First seen on movewithmomentum.comObserved at $265,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
3 closed sales within about 10 miles in Clay County in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 3 sales: $275,000 ($178/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Directional estimate — 3 comparable closed sales within about 10 miles in Clay County, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $265,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1963 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 24 days on market vs. a 67-day community median
- 6 active listings competing, 1 under contract
- ≈6.0 months of supply
- 20 closed here in the last 12 months
For reference, this home is listed at $265,000 ($156/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,700 sq ft × $157–$199/sq ft (±12% around the median of 3 comparable closed sales within about 10 miles in Clay County, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 6, 2026.
Momentum Property Score
63/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟠 Seller-leaning conditions around this listing. 6.0 months of supply in the surrounding market and 24 days on market for this home, against a 67-day area median.Days on market:this home 24Area median: 67 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 4, 2026.
🟡 Asking $156 per square foot, about 12% below the community’s $178 median. Keystone Heights’s 12-month median sold price per square foot is $178. Median sold price per square foot is up 3.8% year over year. Confidence: High · 21 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
50% of homes in Keystone Heights are owner-occupied. An estimated 50% are non-owner-occupied, including 4% held in a company or trust and 3% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 92 homes matched. Community-level context.
Recent Keystone Heights sales closed near 92.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 4, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 6 active listings in Keystone Heights, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 240 SW PECAN Street?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by AXEN REALTY LLC · MLS # 2164906
Request a showing
Similar homes for sale near Keystone Heights
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Keystone Heights
- 7156 Park Street, Keystone Heights · $275,000 · 3 bd / 2.0 ba · listed September 29, 2026 (courtesy of CB ISAAC REALTY)
- 5759 Bryce Street, Keystone Heights · $259,000 · 4 bd / 2.0 ba · listed September 26, 2026 (courtesy of HERRON REAL ESTATE LLC)
- 5600 County Road 214, Keystone Heights · $244,000 · 4 bd / 2.0 ba · listed September 24, 2026 (courtesy of EXIT INSPIRED REAL ESTATE)
- 4700 Berry Court, Keystone Heights · $239,900 · 4 bd / 2.5 ba · listed September 24, 2026 (courtesy of EPIQUE REALTY, INC)
- 5720 Bitterroot Street, Keystone Heights · $235,000 · 3 bd / 2.0 ba · listed September 20, 2026 (courtesy of HERRON REAL ESTATE LLC)
- 7656 Silver Sands Road, Keystone Heights · $265,000 · 4 bd / 2.0 ba · listed September 20, 2026 (courtesy of PURSUIT REAL ESTATE, LLC)
Recently off market in Keystone Heights
- 6705 Autumnwood Court · last listed $215,000 · 2026-09-30
- 7159 State Road 21 · last listed $239,000 · 2026-09-12
- 6328 Little Lake Geneva Road · last listed $240,000 · 2026-09-12
- 5641 Silver Sands · last listed $300,000 · 2026-09-12
- 5533 Arapaho Street · last listed $260,000 · 2026-09-12
- 5521 Gila Street · last listed $125,000 · 2026-09-12
Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings
More on Keystone Heights
Go deeper on Keystone Heights
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Clay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
- Blessings Box 3 min
Shopping
- Starke Plaza 18 min
Parks
- Keystone Heights Trailhead 2 min
Health
- UB building 35 min
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 240 SW PECAN Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1963 (63 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 1,700 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $3,225/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,175 more per year than the current owner’s estimated bill (+6350%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: October 6, 2026) |
| Comparable sales | realMLS closed sales within about 10 miles in Clay County, last 18 months, as of October 4, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 240 SW PECAN Street and when was it built?
Per the listing record, 240 SW PECAN Street was built in 1963 and has 1,700 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 240 SW PECAN Street in?
240 SW PECAN Street is in Keystone Heights, Clay County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 240 SW PECAN Street have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 240 SW PECAN Street differ from the current owner's?
The estimate on this page (about $3,225 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,175 more per year than the current owner’s estimated bill (+6350%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 240 SW PECAN Street in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 240 SW PECAN Street in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is 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. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.