5523 CORONADO Street, Keystone Heights, FL 32656
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 13, 2026, 5523 CORONADO Street in Big Tree Lakes, Keystone Heights is listed at $317,000 (1,600 sq ft, about $198 per sq ft). That is 17% above Big Tree Lakes's median closed sale of $269,900 over the last 12 months (35 recorded sales). Per square foot it is above the community's recent $149/sq ft by about 33%. It has been 63 days on market, longer than the community's typical 28 days to contract. Listing facts: built in 2025, waterfront, no HOA. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2025 · 1 yrs
- 1,600 sq ft of living area
- Listed at $317,000 — recent neighborhood median sale price ~$269,900 (nearby sales; deemed reliable, not an appraisal)
- 63 days on market
- HOA ~$50/mo (estimate; confirm)
Pricing & the Big Tree Lakes market
How this home is priced against recent nearby sales, and where Big Tree Lakes 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 Big Tree Lakes
Each dot is a closed sale since 2001 (525 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 $198/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 64 (hot).
This home’s history
- 2025BuiltPer public record
- Aug 4, 2026First trackedObserved at $335,000
- Sep 6, 2026Price cut$317,000
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $1,647/mo 81%
- Taxes $259/mo 13%
- Insurance $85/mo 4%
- HOA $50/mo 2%
$2,041/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
34/100 is limited 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 4.1 months of supply in the surrounding market and 63 days on market for this home, against a 28-day area median.Days on market:this home 63Area median: 28 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 September 12, 2026.
🟡 Asking $198 per square foot, about 33% above the community’s $149 median. Big Tree Lakes’s 12-month median sold price per square foot is $149. Median sold price per square foot is up 3.8% year over year. Confidence: Very High · 35 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.
32% of homes in Big Tree Lakes are owner-occupied. An estimated 68% are non-owner-occupied, including 3% held in a company or trust and 9% 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), 120 homes matched. Community-level context.
Recent Big Tree Lakes sales closed near 99.6% 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 September 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 12 active listings in Big Tree Lakes, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Experience refined lakeside living in this beautiful 3-bedroom, 2.5-bath waterfront home nestled within the serene Big Tree Lakes / Winding Tree Lake system in Keystone Heights. Blending modern comfort with natural tranquility, this property offers a rare opportunity to enjoy privacy, space, water views, and abundant wildlife in an inviting, thoughtfully designed setting--where deer and a variety of native birds are frequent visitors, making it a true haven for nature lovers. Inside, the home immediately impresses with its open, airy feel enhanced by 9-foot ceilings, drywall construction, and durable 2x6 walls--delivering the quality and presence of a site-built residence.
The kitchen is both functional and striking, featuring a large chef-style refrigerator, deep stainless steel sink, and a spacious walk-in pantry designed for effortless everyday living and entertaining. A dedicated mudroom and separate laundry space add convenience and organization. The split-bedroom layout provides ideal privacy, with guest rooms connected by a Jack and Jill bath, while the primary suite offers a peaceful retreat with calming water views from the bathroom.
Every space has been designed to feel light, open, and connected to the surrounding environment. Step outside to newly constructed front and rear decks, perfect for morning coffee, sunset gatherings, or simply taking in the quiet water backdrop. The dining area extends the experience with a sliding glass door and kitchen window that capture natural light and water views throughout the day.
Outdoor living continues with fresh front landscaping, a paver walkway entry, a full privacy fence along the road, and staggered side panel fencing that enhances seclusion while maintaining a natural flow. The backyard offers the beginnings of an exceptional outdoor kitchen or entertainment space, ready for your vision. Set on a paved road with a private, tucked-away feel yet surrounded by nature and neighboring homes, this property strikes a rare balance between retreat and accessibility.
Opportunities like this--modernized waterfront living with space, privacy, wildlife, and potential--are limited in Keystone Heights. Schedule your showing and experience the lifestyle this home was designed to offer before it's gone. Photos are digitally enhanced and could be altered, please verify.
Description provided by FLORIDA HOMES REALTY & MTG 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
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.
Actual list price: $317,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 19% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — the band above comes from 5 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- 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: 63 days on market vs. a 28-day community median
- 11 active listings competing, 4 under contract
- ≈4.1 months of supply
- 35 closed here in the last 12 months
For reference, this home is listed at $317,000 ($198/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,600 sq ft × $168–$200/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 13, 2026.
Similar homes for sale near Big Tree Lakes
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.
Recently off market in Big Tree Lakes
- 7667 Casa Grande Boulevard · last listed $245,000 · 2026-09-12
- 7588 Casa Grande Boulevard · last listed $269,900 · 2026-09-12
- 7575 Monongahela Avenue · last listed $290,000 · 2026-09-12
- 7527 Appomattox Avenue · last listed $278,000 · 2026-09-12
- 5725 Sequoia Road · last listed $235,000 · 2026-09-12
- 5670 Acadia Street · last listed $265,000 · 2026-09-12
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by FLORIDA HOMES REALTY & MTG LLC · MLS # 2150138
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Recent sales activity in Big Tree Lakes
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Big Tree Lakes neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Big Tree Lakes
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.
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
- Trailhead Keystone Heights 13 min
Dining
- COWBOY'S PHILLY CHEESESTEAKS & CHICKEN MELROSE 8 min
Shopping
- Hawthorne Square Shopping Center 27 min
Parks
- Seeds of Grace Community Garden 14 min
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 →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $149/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 5523 CORONADO Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2025: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- 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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 1,600 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 $3,107/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | realMLS, refreshed twice daily (last: September 13, 2026) |
| Community market stats | realMLS closed sales, as of September 12, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 5523 CORONADO Street and when was it built?
Per the listing record, 5523 CORONADO Street was built in 2025 and has 1,600 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 5523 CORONADO Street in?
5523 CORONADO Street is in Big Tree Lakes in Keystone Heights, Clay County. The community section on this page shows recent closed sales, days on market, and active inventory for Big Tree Lakes from the same MLS data.
Does 5523 CORONADO 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 5523 CORONADO Street differ from the current owner's?
The estimate on this page (about $3,107 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 5523 CORONADO Street in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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 5523 CORONADO Street in person
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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 a typical county millage rate to the list price 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.