Big Tree Lakes

5720 BITTERROOT St

Keystone Heights, FL 32656
For Sale $230,000
Price cut $235,000 ↓ $5,000 (2.1%) Oct 9
3 bd · 2 ba · 1,472 sqft · Built 2017
Bryce Spraggins — The HOA Collective
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Call or Text 904-747-1HOA

The data relating to real estate for sale on this website 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 The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of HERRON REAL ESTATE LLC (genellmobley.realtor@gmail.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

*Public Open House Rescheduled for next Saturday 10/10* Seller is offering $5,000 towards buyer's closing costs or rate buy down! Come enjoy the space, privacy, and relaxed lifestyle that makes Keystone Heights so desirable. This 2017 mobile home is in GREAT shape! 3 bedrooms, 2 baths, large bathtub and separate shower in the master bath with a walk in closet. Kitchen has an island perfect for placing stools to sit and eat! Located on 1.14 acres, this property gives you plenty of space to bring your kids, toys, and animals to enjoy the country living. The AC unit was replaced in 2021 and the well tank was replaced in 2018.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $8,050
$2,160/mo
Principal & interest$1,551
Property tax (est.)$329
Insurance (est.)$173
FHA MIP$102
HOA dues$6
CDD assessment$0
Cash to close: ~$8,050 down · MIP financed
VA
$0 down
$2,121/mo
Principal & interest$1,614
Property tax (est.)$329
Insurance (est.)$173
VA fee (financed)$0
HOA dues$6
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $46,000
$1,771/mo
Principal & interest$1,264
Property tax (est.)$329
Insurance (est.)$173
PMI$0
HOA dues$6
CDD assessment$0
Cash to close: ~$46,000 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 2.71% effective millage, plus actual HOA. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeMobile Home
Year built2017
Heated area1,472 sq ft
Lot size49,484 sq ft
SubdivisionBIG TREE LAKES
Parcel (RE#)14-08-23-001437-184-00
Legal descriptionLOT 8 BLK 32 BIG TREE LAKES SE

Valuation · 2025

Value

Just / Market
$225,000
Assessed
$84,826
Taxable
$29,104
2025 Property Tax
$789
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$76 / Annually
CDD Assessment
—

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

No recorded sale history is on file for this property.

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Clay Electric Cooperative
💧 Water
Clay County Utility Authority
🚽 Sewer
Clay County Utility Authority

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
High (zoned)

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Big Tree Lakes? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Big Tree Lakes every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

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On the Market

Homes for Sale in Big Tree Lakes

Other active MLS listings in Big Tree Lakes.

The data relating to real estate for sale on this website 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 The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 5720 BITTERROOT St?
The zoned public schools for 5720 BITTERROOT St in Big Tree Lakes are Mcrae Elementary School (elementary), Keystone Heights Junior/Senior High (middle), Clay High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 5720 BITTERROOT St?
The most recent annual property tax for 5720 BITTERROOT St is about $789 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 5720 BITTERROOT St?
Homes in Big Tree Lakes have an HOA fee of about $76 per year (based on recent MLS listings).
How big is 5720 BITTERROOT St?
5720 BITTERROOT St is a 1,472 sq ft home built in 2017 in Big Tree Lakes, Clay County, FL.
What would the monthly payment be on 5720 BITTERROOT St?
At about a 7.32% 30-year rate, the estimated monthly payment for 5720 BITTERROOT St is roughly $1,771 with a conventional loan (20% down), $2,160 with FHA (3.5% down), or $2,121 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Big Tree Lakes HOA. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the Clay County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.