618 SE 44TH STREET, KEYSTONE HEIGHTS, FL, 32656
Active279 days on marketListed Oct 27, 2025MLS #GC534732
About this home
618 SE 44TH STREET
Beautiful maintained 2-bedroom, 2-bath home on two spacious lots with a detached 2-car garage and full bath, perfectly located on a paved road in Keystone Heights. The charming residence offers an open floor plan with a split-bedroom layout for added privacy. Trayed ceiling in the dining area and cathedral ceiling in the living area. The large laundry room provides extra conveniences and storage space. The detached garage-already equipped with a full bath-can easily be finished with drywall to create a guest suite, studio or workshop. Recent updates include fresh exterior paint (October 2025). The additional well serves the sprinkler system, keeping the landscaped yard lush and green. Enjoy peace of mind with no HOA fees and appreciate the home's proximity to schools, parks, shopping and local lakes. Conveniently located for commutes to Gainesville, Middleburg and Palatka. The Keystone Heights area continues to experience active growth-making this property an excellent primary residence or investment property. Approx. 3 miles from (Bradford County Public boat ramp) Santa Fe Lake a large strong-fed and unusually clear lake. Serves as the headwater of the Santa Fe River and is know for stable water levels, good fishing, and recreation like boating and skiing. Santa Fe Lake is roughly 5,800 acres in surface area, making it one of the larger lakes in north central Florida.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,633
Sqft
0.68 ac
Lot size
3
Garage
2003
Year built
One
Levels
$205
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.
$2,449 /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
$2,449/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.
$/sqft vs Keystone Heights actives
$205 vs $170
Days on market
279 vs 46 typical
Where $205/sqft sits among the 29 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
The numbers that matter
The Keystone Heights market
$285K → $322K
Keystone Heights median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
15 of 29
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 134% 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 618 SE 44TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$262,000
553 SE 42ND STREET · same community
3 bd · 2 ba · 1,234 sqft · $212/sqft · 49 DOM
Sold · Nov ’25$300,000
7115 KING STREET
3 bd · 2 ba · 1,568 sqft · $191/sqft · 151 DOM
Sold · Sep ’25$190,000
395 SW GROVE STREET
3 bd · 2 ba · 1,728 sqft · $110/sqft · 82 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 618 SE 44TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 618 SE 44TH STREET — 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
618 SE 44TH STREET FAQs
What would the monthly payment be for 618 SE 44TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,449/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 618 SE 44TH STREET?+
The most recent tax bill on record (2024) was $2,041. 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 $334,777, this home is listed about 16% above the Keystone Heights median of $289,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$334,777 runs 134% above the KEYSTONE HEIGHTS 32656 median.
02Time on market is leverage
279 days on market against a Keystone Heights median of 46 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $350,000, now $334,777 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
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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