Big Tree Lakes
Homes for Sale in Keystone Heights, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo courtesy of UNITED REAL ESTATE GALLERY · via realMLS
Homes For Sale Right Now in Big Tree Lakes
Live MLS inventory for Big Tree Lakes. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 54 daysTop listing
Active · 83 days
Active · 101 days
Active · 225 days
Active · 70 days
Active · 150 days
Active · 175 days
Active · 182 days
Active · 3 days
Active · 30 days
Active · 31 days
Active · 31 days
Active · 123 days
Active · 66 daysActive and pending Big Tree Lakes listings as of 2026-10-22, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Big Tree Lakes in Keystone Heights (Clay County) carries a median price of $271,500 on a median home of 1,496 living square feet built around 1997. Price is up 9.7% year over year and 503% since 2012 — a longer-run climb that points to sustained demand rather than a single-year spike. Homes here trade in about 15 days on market, quick enough that realistic pricing still finds a buyer fast, but not so quick that it signals a bidding-war environment.
With only 10 active listings against roughly 35 closings in the most recent window and 3.5 months of supply, the market reads as balanced — not tight enough to force overbids, not loose enough to hand buyers real leverage. For sellers, that means a well-priced home still moves in about two weeks. For buyers, it means there is little room to lowball on a listing that is already priced to the comps.
Figures in this note are as of July 14, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Big Tree Lakes right now
🟢 Buyer-leaning market. 15.0 months of supply and 12% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of October 23, 2026. Confidence: Very High (17 active and pending listings, 34 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($270K) is up 3.8% from the prior 12 months ($260K) and up 439% since 2012. With about 30 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending October 23. Confidence: Very High (34 and 36 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 23, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Big Tree Lakes market snapshot (as of October 23, 2026): the median sale price is about $270K ($144 per sq ft over the trailing 12 months of closed sales), a median 30 days on market for closed sales, and 15.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 4% from the prior 12 months and up 439% since 2012, computed from record-level realMLS closed sales (34 closings in the current window).
Big Tree Lakes is a community of 118 homes in Keystone Heights, Clay County, built between 1983 and 2024 (median 2001.0), with a median living area of about 1,565 square feet. 29% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
A mix of 1920s-to-2020s-era construction spread across 1,231 homes, Big Tree Lakes trades on condition and lot use more than on age or a single building era.
The setting & the homes.
Aerial and on-site photos of Big Tree Lakes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Big Tree LakesPhotos from realMLS listings in Big Tree Lakes; content deemed reliable but not guaranteed.
Who Big Tree Lakes is best for.
Best for
- Buyers comfortable evaluating condition across a mix of 1920s-to-2020s-era construction rather than a single-era subdivision.
- Sellers who can price near the community's median and are prepared for a market that moves in about two weeks, not overnight.
- Buyers interested in fishing access who will confirm amenity details directly with the HOA before writing an offer.
Probably not for
- Buyers who need a large pool of active listings to compare — only 10 are on the market at a time.
- Buyers seeking new-construction-only inventory; the median build year here is 1997.
- Sellers expecting a bidding-war premium in a market that is currently reading as balanced rather than tight.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 23 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($270K) IS the median in the snapshot above, and the move from 2025 ($260K) IS the +3.8% one-year change.
Windows contain 11 to 38 sales each (34 in the current window); every figure carries its sample size. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
17% of homes for sale in ZIP 32656 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-20).
Big Tree Lakes Market Scorecard
Big Tree Lakes is currently a buyer-leaning market. About 15.0 months of supply, a median asking price of $267,900, and homes go under contract in about 70 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Big Tree Lakes on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap contributors.
Life at Big Tree Lakes
- Fishing · reported on 2 of 6 listings
- Security Lights · reported on 1 of 6 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Big Tree Lakes are close: the nearest dining is about 8 minutes away.
- COWBOY'S PHILLY CHEESESTEAKS & CHICKEN MELROSE · Dining8 min
- Trailhead Keystone Heights · Groceries13 min
- Clyde's Cozy Corner Cafe · Coffee13 min
- Seeds of Grace Community Garden · Parks14 min
- Hawthorne Square Shopping Center · Shopping27 min
- Fresenius Medical Care at Putnam Hospital · Health31 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Keystone Heights Elementary SchoolFLDOE grade C · Public PK-6
- Keystone Heights Junior/Senior High SchoolFLDOE grade B · Public 7-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Clay County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Big Tree Lakes address.
The Big Tree Lakes buying strategy.
If we were buying in Big Tree Lakes today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Big Tree Lakes.
What actually moves price in Big Tree Lakes
With 1,231 homes spanning construction years from 1924 to 2024 and a median build year of 1997, the housing stock here is a genuine mix of older and newer construction rather than a single-era subdivision. That range means condition, lot type, and access to water do more to set price than the calendar — a recently updated or well-positioned home can sit well above the community's $271,500 median, while a dated or interior-lot home can sit meaningfully below it.
Community amenities reported across MLS listings include fishing access and security lighting — worth confirming directly with the HOA before writing an offer, since access and rules can vary by section. At 3.5 months of supply and a market-heat reading of 66, the community sits in balanced territory: enough activity to keep pricing firm, not so little inventory that buyers are competing purely on speed. Roughly 42.8% of homes here carry a homestead exemption, consistent with a base of longer-term ownership rather than a fast-turnover, investor-heavy inventory.
The location and the amenities are priced into every listing in Big Tree Lakes. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Big Tree Lakes buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (5.9). Basis: Long-Term Appreciation +439% since 2012; Recent Direction +3.8% year-over-year; Liquidity & Demand 15.0 months of supply; Owner Commitment 29% owner-occupied; Pricing Power 99.7% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community this spread out in build year and lot type, a hand-prepared valuation matters more than a generic number. We walk the comparable sales, weigh the specific lot and condition, and price to what Big Tree Lakes' own data actually supports — not a sitewide average.
Big Tree Lakes in 15 seconds.
HOA, CDD & Fees
- No CDD
- HOA status not on record. Verify any dues before you offer
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Page states no CDD.
Flood & Insurance Context
Of 22 sampled listing addresses in this community: 77% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 23% in an A-series Special Flood Hazard Area zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=22) · as of 2026-10
Tools for a Big Tree Lakes buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Big Tree Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Big Tree Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Big Tree Lakes home worth?
Get a no-obligation home value based on real comparable sales in Big Tree Lakes, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Big Tree Lakes on the map →
Frequently Asked Questions
What is the median home price in Big Tree Lakes?
How long do homes in Big Tree Lakes take to sell?
Is Big Tree Lakes a buyer's or seller's market right now?
How many homes are in Big Tree Lakes?
What share of Big Tree Lakes is owner-occupied?
When were the homes in Big Tree Lakes built?
Have Big Tree Lakes home prices gone up?
What schools serve Big Tree Lakes?
Who is the best real estate agent for Big Tree Lakes?
How do I find a top Keystone Heights real estate agent who knows Big Tree Lakes?
Can Momentum Realty connect me with an agent for Big Tree Lakes?
Should you buy in Big Tree Lakes?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Big Tree Lakes with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 22, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 23, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 32656)) |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2001 (527 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Big Tree Lakes fits the bigger picture — live prices, inventory, and Momentum Scores: