4385 BONDARENKO ROAD, KEYSTONE HEIGHTS, FL, 32656
Active163 days on marketListed Feb 20, 2026MLS #FC316379
About this home
4385 BONDARENKO ROAD
Location with Long-Term Growth Potential! Situated in the Keystone Heights area, this property offers the peace and privacy buyers seek today while benefiting from the continued expansion of Northeast Florida's transportation network. The nearby First Coast Expressway (SR 23) is a major regional infrastructure project connecting I-10 and I-95, with final phases currently advancing toward completion. Enhanced regional access, growing economic activity, and increasing connectivity throughout Clay County make this an exciting opportunity for homeowners, investors, and land buyers looking ahead. Build your dream home on this beautiful 5-acre wooded lot near Keystone Heights! Nestled in a developing area, this peaceful, back-to-nature property offers the privacy and space you’ve been looking for. Surrounded by mature trees and natural Florida landscape, it’s the perfect setting for a custom home, private retreat, or future investment. An existing structure is located toward the rear of the property for either renovation or removal depending on your plans. Electric service is accessible, adding convenience as you begin building. Enjoy the tranquility of country living while still benefiting from growing connectivity — the property is located near the new SR 23 beltway, providing a future direct connection to I-95 just north of the International Golf Parkway exit in St. Augustine. This expanding infrastructure makes commuting and travel easier while preserving the quiet charm of the area. Don’t miss this opportunity to own acreage in an area poised for growth!
Facts & features
The home at a glance
5 ac
Lot size
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 and the real association fee — not generic estimates.
$1,009 /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
$1,009/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.
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
The numbers that matter
The Keystone Heights market
$285K → $322K
Keystone Heights median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
Median sold price, Keystone Heights, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% below the KEYSTONE HEIGHTS 32656 median. See the full Keystone Heights market guide →
Paper trail
This home's history
Reality check
What actually sold near 4385 BONDARENKO ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$850,000
6140 COUNTY ROAD 315C
5 bd · 6 ba · 6,158 sqft · $138/sqft · 93 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4385 BONDARENKO ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4385 BONDARENKO ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4385 BONDARENKO ROAD FAQs
What would the monthly payment be for 4385 BONDARENKO ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,009/mo — principal and interest, the actual property-tax bill, the $13/mo association fee 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.
How much are the HOA fees at 4385 BONDARENKO ROAD?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4385 BONDARENKO ROAD?+
The most recent tax bill on record (2024) was $545. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4385 BONDARENKO ROAD?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Keystone Heights?+
At $124,900, this home is listed about 57% below the Keystone Heights median of $289,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK · Andrew Blankenship. MLS #FC316379.
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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