5535 Gila St, photo 1
Active Under Contract
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Overview

3 bd2 ba1,352 sqftManufactured Home
TypeManufactured Home
HOANone listed
Built2000
Lot36,503 sqft
Living area1,352 sqft
Price / sqft$140

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Split BedroomElectric Water HeaterRefrigerator

5535 Gila St is a 2000-built home in Florida Frontier, Keystone Heights. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,352 square feet of living space. Listed at $189,100 (about $140/sqft), 234 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Under contract-accepting backup offers. BACK ON MARKET: Does not require flood insurance or tiedown retrofit. Home is move-in ready for ALL loan types. Previous sale fell through due to buyer's financing. This spacious 3/2 sits on an oversized lot just outside of town, offering the perfect balance of privacy and convenience. Step inside to find fresh interior paint and brand-new carpet throughout, creating a clean and move-in-ready feel from the moment you enter. Brand new updated tile shower adds modern comfort, while the covered porch provides the ideal spot to ease into your mornings or unwind in the evenings. A whole-home water filtration system adds everyday value and peace of mind. Enjoy the privacy of a rural setting with no HOA, with the comfort of paved roads. Perfect central location for quick commuting to Palatka, Orange Park, Jax, or Gainesville. Zoned for ''A'' rated McRae Elementary and ''B'' rated KHHS. Home qualifies for 0 down through DPA. Some photos have been virtually staged.

The essentials

Built
2000
Price / sqft
$140
On market
234 days
Annual tax
$2,056
Flood zone
AE
Lot
36,503 sqft
Type
Manufactured Home

At a glance

Manufactured home
Built 2000
0.84 acres
Lot size
1,352 sqft
Living area

Payment

Est. monthly payment
$1,252/mo
Down payment (20%)
$37,820
Property taxes
$171/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Manufactured Home
Year Built
2000
Lot
36,503 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
234
Split Bedroom
Electric Water Heater
Refrigerator
Elementary
Mcrae Elementary School-CL
High
Keystone Heights Junior/Senior High-CL

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone AE
Annual Tax (2025)
$2,056
Parcel #
24-08-23-007495-000-00

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Florida Frontier
County
Clay
MLS Area
32656 - Keystone Heights
Lot Size
36,503 sqft
Street Dead-EndPaved

Price history

Date
Event
Price
10/1/2026
Price change
Source: Stellar MLS #GC537794
$189,100-5.4%
$140/sqft
-
Price change
Source: Stellar MLS #GC537794
$199,900-11.9%
$148/sqft
2/22/2026
Listed for sale
Source: Stellar MLS #GC537794
$226,900
$168/sqft

Neighborhood

5535 Gila St
Keystone Heights, FL, 32656 · 32656 - Keystone Heights

Market insights

Offer Insights

Choose an offer strength

List price: $189,100
$177,500 – $189,100
94.4% – 100% of listTops out right at the list price
80% of listList price
15 of the last 28 home closings in 32656 landed at this number or higher (54%). The median one sat 35 days before it went under contract, and this one is on day 234 after a $37,800 cut.

Sample: 28 closed home sales in 32656 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,252/mo
Principal & interest$986
Property taxes$171
Insurance$95
Down payment20% · $37,820
Interest rate6.80%
Loan term

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Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$189,100

$140 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,352 sq ft

Time on market

234 days

Year built

2000

Monthly payment

About $1,252/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,056 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byCW REALTY, INC. - KEYSTONE HEIGHTSListing agent: Steven MilliganListing data from Stellar MLS, MLS# GC537794.

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