Homes for Sale Under $300K in Keystone Heights, FL
This page tracks every Keystone Heights listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
105 homes listed under $300,000 are for sale or pending in Keystone Heights, FL today across 42 communities. The median asking price is $249,000, from $39,900 to $299,990. Listings in Keystone Heights without that feature have a median of $399,000. Most listings right now: Highridge Estates (15), Big Tree Lakes (14), Florida Frontier (5). Updated October 2, 2026 from the MLS.
First-time buyers: what Keystone Heights costs at the entry level
32 active single-family homes, townhomes and condos at or below $300,000 — median $259,945, about $1,635/mo principal & interest at 6.95% with 5% down. Live from the MLS, refreshed nightly.
Newest homes under $300K in Keystone Heights
What the payment looks like
| Purchase price | P&I at 6.95%, 5% down | P&I, 20% down | Cash to close at 5% down (est.) |
|---|---|---|---|
| $200,000 | $1,258 | $1,059 | $16,000 |
| $250,000 | $1,572 | $1,324 | $20,000 |
| $300,000 | $1,887 | $1,589 | $24,000 |
Estimates only; taxes, insurance, HOA and mortgage insurance are on top. Closing costs assumed at 3%.
Down-payment assistance in Clay County · First-time buyer guide
Keystone Heights homes under $300K by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Homes Under $300K | New build | Median list | From |
|---|---|---|---|---|
| Highridge Estates | 15 | 8 | $259,900 | $39,900 |
| Big Tree Lakes | 14 | 8 | $266,450 | $129,500 |
| Florida Frontier | 5 | 3 | $264,900 | $189,100 |
| Lakeview Highlands | 4 | 0 | $257,450 | $239,000 |
| Sunrise Park | 4 | 0 | $207,000 | $45,000 |
| Big Tree Lakes Sec C | 3 | 1 | $280,000 | $129,500 |
| Keystone Heights | 3 | 0 | $265,000 | $215,000 |
| Postmaster Ret Vill | 3 | 2 | $264,000 | $264,000 |
| Bedford Oaks | 3 | 0 | $154,900 | $149,900 |
| Highridge Estates | 3 | 0 | $145,900 | $115,900 |
| Santa Fe | 2 | 0 | $295,000 | $295,000 |
| Big Tree Lakes Sec B | 2 | 0 | $282,450 | $275,000 |
| Lakeview Highlands | 2 | 0 | $257,000 | $239,000 |
| Lakeside | 1 | 0 | $295,000 | $295,000 |
| Kce Replat | 1 | 0 | $291,000 | $291,000 |
| Bedford Oaks | 1 | 0 | $289,900 | $289,900 |
| Deer Spgs Farms | 1 | 0 | $269,900 | $269,900 |
| Deer Springs Estates | 1 | 0 | $269,900 | $269,900 |
| Bird Addition | 1 | 0 | $264,900 | $264,900 |
| Keystone | 1 | 1 | $259,000 | $259,000 |
| Keystone Club Est | 1 | 0 | $257,500 | $257,500 |
| Conneaut Addition | 1 | 0 | $250,000 | $250,000 |
| Oak Ridge | 1 | 0 | $249,900 | $249,900 |
| Big Tree Lakes Sec C Sub | 1 | 0 | $249,000 | $249,000 |
| Lake Geneva | 1 | 0 | $245,000 | $245,000 |
| Gatorbone | 1 | 0 | $244,000 | $244,000 |
| Keystone Heights Rep 01 | 1 | 0 | $240,000 | $240,000 |
| Blueberry Hill Farms | 1 | 0 | $239,900 | $239,900 |
| Blueberry Hills Farm | 1 | 0 | $239,900 | $239,900 |
| Oak Ridge Farms | 1 | 0 | $235,000 | $235,000 |
| Sandy Shores | 1 | 0 | $229,950 | $229,950 |
| Alan Lake Estates | 1 | 0 | $225,000 | $225,000 |
| Oak Ridge Woodlands | 1 | 0 | $220,000 | $220,000 |
| Brooklyn Lehardys | 1 | 0 | $199,900 | $199,900 |
| Silver Sands Estates | 1 | 0 | $194,900 | $194,900 |
| Florida Frontier | 1 | 0 | $189,100 | $189,100 |
| Sunrise Park | 1 | 0 | $185,000 | $185,000 |
| The Haven | 1 | 0 | $175,000 | $175,000 |
| Postmasters Retirement Village | 1 | 0 | $159,900 | $159,900 |
| The Haven | 1 | 0 | $156,000 | $156,000 |
| Highridge Estate | 1 | 0 | $111,000 | $111,000 |
| Sunrise Park Add | 1 | 0 | $45,000 | $45,000 |
What under $300,000 buys and what to check
In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.
Questions to ask about any listing in this band
How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.
Common questions
How many homes listed under $300,000 are for sale in Keystone Heights?
What do homes under $300K cost in Keystone Heights?
Which Keystone Heights community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
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Homes Under $300K in nearby Clay County cities
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Live data: realMLS, Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Keystone Heights, FL whose MLS record reports an asking price under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.