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Single Family ResidenceResidential
$254,169$165 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $20,000 on Apr 26, 2007

320 SW GARDEN ST

KEYSTONE HEIGHTS, FL 32656
3
Beds
2
Baths
1,542 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.49 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$254K
$237K low$272K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$20,000 · Apr 26, 2007

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$143,821 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$139,768
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$318,783

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
42
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
97
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
71
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyClay
Lot (acres)The size of the land the home sits on, from county records.0.49
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 160 ft²Patio · 260 ft²Porch · 51 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Keystone Heights Elementary SchoolB
Elementary · Grades KG–6 · 0.1 mi
M
Keystone Heights Junior and Senior High SchoolB-
Middle · Grades 7–12 · 0.3 mi

District: Clay County School District

Neighborhood · ZIP 32656These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.139
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.24

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.13,903
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.150 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,358
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,789
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

320 Sw Garden St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 79% of homes in Clay County
  • Costs less per square foot than 71% of homes in Clay County
  • Smaller than 68% of homes in Clay County
  • Has a smaller lot than 74% of homes in Keystone Heights 32656

What homes are worth in Keystone Heights 32656

Each bar is how many homes fall in that price range. The marker is this home.

This home
$107K$650K

This home is worth more than 41% of homes in Keystone Heights 32656.

How it measures up in Keystone Heights 32656

The dot is this home. The mark in the middle is the typical home in Keystone Heights 32656.

Estimated value$254,169
CheaperTypical $278,264Pricier

Pricier than 41% of homes nearby

Price per ft²$165
CheaperTypical $181Pricier

Pricier than 30% of homes nearby

Living area1,542 ft²
SmallerTypical 1,444 ft²Bigger

Bigger than 57% of homes nearby

Lot size0.49 ac
SmallerTypical 1 acBigger

Bigger than 26% of homes nearby

Year built1990
OlderTypical 1987Newer

Newer than 56% of homes nearby

How 320 Sw Garden St ranks against every home in each area.
MeasureThis homeKeystone Heights 32656Clay County
Estimated valuepricier than$254,16941% of homes21% of homes
Price per ft²pricier than$16530% of homes29% of homes
Living areabigger than1,542 ft²57% of homes32% of homes
Lot sizebigger than0.49 ac26% of homes68% of homes
Year builtnewer than199056% of homes37% of homes

About 320 Sw Garden St

How much is 320 Sw Garden St, Keystone Heights, FL worth?

The TopHap Estimate for 320 Sw Garden St, Keystone Heights, FL is $254,169 as of Sep 24, 2026. The likely range is $236,673 to $271,665. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 320 Sw Garden St, Keystone Heights, FL last sell?

320 Sw Garden St, Keystone Heights, FL last sold on Apr 26, 2007 for $20,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 320 Sw Garden St, Keystone Heights, FL?

320 Sw Garden St, Keystone Heights, FL has 3 bedrooms, 2 bathrooms, 1,542 square feet of living space and a 0.49-acre lot.

When was 320 Sw Garden St, Keystone Heights, FL built?

320 Sw Garden St, Keystone Heights, FL was built in 1990, making it 36 years old. The building has 1 story.

What schools serve 320 Sw Garden St, Keystone Heights, FL?

320 Sw Garden St, Keystone Heights, FL is assigned to Keystone Heights Elementary School (elementary), rated B; Keystone Heights Junior and Senior High School (middle), rated B-. All sit in Clay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 320 Sw Garden St, Keystone Heights, FL compare to other homes in Keystone Heights 32656?

Among the 6,627 homes in Keystone Heights 32656, it is worth more than 41% of them ($254,169 against a typical $278,264), its price per square foot is higher than 30% of them ($165 against a typical $181), it is bigger than 57% of them (1,542 ft² against a typical 1,444 ft²), its lot is bigger than 26% of them (0.49 ac against a typical 1 ac) and it is newer than 56% of them (1990 against a typical 1987). Measured against all of Clay County, it is worth more than 21% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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