Bedford
Oaks Homes for Sale in Keystone Heights, FL

Established resale homes · Keystone Heights · ZIP 32656

An older, established subdivision along Bedford Lake Road and Bedford Oaks Drive in Keystone Heights, Clay County, with a mix of site-built and manufactured homes and no confirmed homeowners association.

Established subdivisionKeystone Heights, Clay CountyNo HOA identified
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
Inventory here is a mix of home types and ages rather than a uniform tract, so confirm current availability and the specific home's construction type before you tour.
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Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulserealMLS
n/a
Median Price
0mo
Supply
n/a
Avg DOM
Soft
Seller Leverage
n/a
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Bedford Oaks is a long-established Keystone Heights subdivision rather than a uniform, newer resale tract. Because it mixes site-built homes with manufactured and mobile homes across a range of ages, the usual same-type comps math does not apply cleanly, each listing needs to be weighed on its own construction type, condition, and lot."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Bedford Oaks is an established residential subdivision in Keystone Heights, Clay County, centered on Bedford Lake Road and Bedford Oaks Drive. The community dates back to around 1960, with homes added over the decades since.

The area includes a mix of site-built single-family homes and manufactured or mobile homes, with reported home sizes commonly running from roughly 800 to about 2,000 square feet. No homeowners association has been identified for the subdivision.

The setting trades on Keystone Heights' broader character: a small Clay County town near freshwater lakes, with Gainesville, Jacksonville, and Starke all within a roughly half hour to hour drive.

Best for

  • Buyers looking for an established, lower-key Keystone Heights subdivision rather than a new-construction tract
  • Buyers comfortable evaluating each home individually given the mix of construction types and ages here
  • Buyers who prefer no confirmed HOA and more flexibility on the parcel

Probably not for

  • Buyers who want managed community amenities like a pool or clubhouse
  • Buyers who want a uniform tract of same-era, same-type homes for simple comps
  • Buyers who need a short commute into central Jacksonville

How Keystone Heights is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
n/aMedian days on marketdays
0 : 0Under contract vs for salestrong demand
0Sold in last 12 monthsliquidity
+0%Asking vs recent sold $/sqftroom to negotiate

Live market metrics for Bedford Oaks update as realMLS listings and sales post. Figures shown reflect current recorded activity; confirm specifics by address.

Live from realMLS, as of July 9, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Keystone Heights listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Bedford Oaks buys, holds, and resells. See the five factors.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Downtown Keystone Heights5 to 10 min · approximate
Gainesville30 to 40 min · approximate
Jacksonville45 to 60 min · approximate
Starke20 to 25 min · approximate

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near BedfordOaks Homes for Sale in Keystone Heights, FL with Momentum Realty’s local guides.

CLCrystal Lake Homesites Homes for Sale in Keystone Heights, FLKeystone Heights, FL · 0.5 miBakersfield Homes for Sale in Keystone Heights, FLBakersfield Homes for Sale in Keystone Heights, FLKeystone Heights, FL · 1.5 miPlantation Farms Homes for Sale in Keystone Heights, FLPlantation Farms Homes for Sale in Keystone Heights, FLKeystone Heights, FL · 1.7 miAWAri Woods Homes for Sale in Keystone Heights, FLKeystone Heights, FL · 1.8 miDSDeer Springs Homes for Sale in Keystone Heights, FLKeystone Heights, FL · 2.0 miPFPlantation FarmsSouth Homes for Sale in Keystone Heights, FLKeystone Heights, FL · 2.0 miKCKeystone Club Estates Homes for Sale in Keystone Heights, FLKeystone Heights, FL · 2.1 miALAlan Lake Estates Homes for Sale in Keystone Heights, FLKeystone Heights, FL · 2.3 miLBLake Brooklyn Homes for Sale in Keystone Heights, FLKeystone Heights, FL · 2.6 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Keystone Heights (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Clay County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Keystone Heights is served by Clay County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

High

Keystone Heights Junior/Senior High School (Clay County School District, verify by address)

Middle

Keystone Heights Junior/Senior High School or your address-zoned middle school (verify by address)

Elementary

Keystone Heights Elementary School (verify by address)

Buying with schools in mind? We can confirm the exact zoned schools for any Keystone Heights address.

The takeaway

Keystone Heights remains a small, lake-centered Clay County town whose appeal is established, lower-key living rather than new commercial growth.

Recent Developments in Bedford Oaks

Our read on what is being built around Keystone Heights, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishSteady interest in older Keystone Heights subdivisions from buyers seeking established homes at a range of price points, balanced against the practical tradeoffs of an area with limited shared amenities.

Area growth along the Jacksonville-Gainesville corridor

Ongoing
BullishNotable impact
SignificanceRadius: Region

Clay County has continued to add residents, and established, no-HOA subdivisions in towns like Keystone Heights draw buyers priced out of tighter suburban lots closer to Jacksonville.

Insurance and construction-type costs

2026
NeutralNotable impact
SignificanceRadius: Community

Because the area mixes site-built and manufactured or mobile homes, insurance eligibility and cost can vary meaningfully by construction type and age. Get a bindable quote for the specific home before you commit.

Market conditions vary by home type

2026
NeutralMinor impact
SignificanceRadius: Community

Because homes here differ widely in construction type, size, and age, pricing does not move as a single trend line the way it does in a uniform subdivision. Compare each listing on its own facts.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Bedford Oaks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

    Development alerts for Bedford OaksGet a short monthly email when something new is approved, funded, or opens near Bedford Oaks.

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    Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

    If we were buying in Keystone Heights, this is the order of operations we would run, and the one we run for our clients.

    1

    Confirm the exact construction type (site-built versus manufactured or mobile) and build year on the specific parcel with the Clay County Property Appraiser before you tour.

    2

    Get a bindable homeowners insurance quote for the specific home, since construction type and age vary widely here.

    3

    Verify the exact zoned elementary, middle, and high schools by the home's address with the Clay County School District.

    4

    Ask about the utility setup (well/septic versus municipal) and request service and inspection records for the specific home.

    5

    Compare the specific listing against a small set of truly similar homes rather than a broad neighborhood median, since construction type and age vary so much here.

    Best Buy
    A well-maintained, site-built home with confirmed construction details and recent updates.
    Biggest Risk
    Wide variation in construction type, age, and condition makes simple comps unreliable.
    Best Lot
    Lots are individually owned with no confirmed HOA; verify boundaries and utility setup before you commit.
    Smart Timing
    Inventory is thin and mixed in type rather than tied to a release schedule.
    The takeaway

    On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

    Community Details at a Glance

    The Homes

    Type

    A mix of site-built single-family homes and manufactured or mobile homes

    Home size

    Reportedly ranges from roughly 800 to about 2,000 square feet, verify by listing

    Era

    Subdivision dates to around 1960 with homes added over subsequent decades; verify build year on any parcel

    Bedrooms

    Varies by home, typically 2 to 3

    Costs & Fees

    HOA

    None identified; no homeowners association confirmed

    CDD

    None identified; confirm on the parcel tax record

    Property use

    Primarily residential lots, some near Bedford Lake Road

    Amenities

    Marketed

    No shared community amenities identified; individually owned residential lots

    Status

    Unincorporated Clay County setting near area lakes

    Location

    Town

    Keystone Heights, Clay County

    Downtown Keystone Heights

    A short drive away, in the Keystone Heights area

    Gainesville

    About 30 to 40 min (approximate)

    Jacksonville

    About 45 to 60 min (approximate)

    The takeaway

    Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

    The Entry

    At the lower end of the market you will generally find smaller or older homes, including manufactured and mobile homes, that may need updating.

    Lowest entry
    The Core

    In the middle of the market, expect mid-sized site-built or newer manufactured homes, with condition and recent updates driving most of the price difference between listings.

    Most inventory
    The Top

    At the upper end, look for larger or well-renovated site-built homes on comparable lots. Verify specifics on the current listing.

    Strongest resale

    Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

    The Entry
    At the lower end of the market you will generally find smaller or older homes, including manufactured and mobile homes, that may need updating.
    The Core
    In the middle of the market, expect mid-sized site-built or newer manufactured homes, with condition and recent updates driving most of the price difference between listings.
    The Top
    At the upper end, look for larger or well-renovated site-built homes on comparable lots. Verify specifics on the current listing.

    Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

    15-Second Take
    • Renovation math decides the deal
    • Better lots and views resell strongest
    • Roof and HVAC age drive the insurance quote
    • Interior lots are where buyers overpay
    Jon Brooks, Momentum Realty
    Operator Note

    Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

    Construction-type variationWide range by home
    Utility setupVaries, verify by home
    HOA flexibilityNone identified
    Comps reliabilityEvaluate home by home
    Established locationNear Keystone Heights lakes

    Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

    Jon Brooks, Momentum Realty
    Operator Note

    The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

    5 Mistakes Buyers Make in Keystone Heights

    15-Second Take
    • Calling the listing agent (who works for the seller)
    • Misjudging the renovation budget
    • Overpaying for an interior lot
    • Underbudgeting the carrying costs
    • Skipping the roof, HVAC, and systems check

    The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

    The value here is not a uniform subdivision, it is the specific home in front of you, so verify it on its own facts.

    Jon Brooks · Founder, Momentum Realty
    6.0C · Buy Score
    Resale Strength5.4/10
    Renovation Risk5.6/10
    Location Efficiency6.0/10
    Long-Term Defensibility5.5/10
    Carrying Cost Advantage6.2/10

    Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

    Why our read on Keystone Heights is different.

    Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No automated estimate, no guesswork.

    Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
    Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

    Which Lots & Views Hold Value Best

    Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

    Value ($/sqft)
    $261 value$401 premium
    Lake / waterPreserveInterior

    Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

    15-Second Take
    • Lot sizes and construction type vary meaningfully, so verify the exact parcel and home type.
    • Confirm whether the specific home relies on private well and septic or municipal utilities.
    • No confirmed HOA means more flexibility, but also more variation in neighboring property upkeep.
    • Confirm any easements or private road maintenance responsibility before you commit.
    • Established location near Keystone Heights' lakes is the durable value here, more than a specific floor plan.

    In a mixed, established subdivision like Bedford Oaks, the specific home and parcel, not a shared floor plan or amenity package, is the durable source of value. Construction type, home age and condition, utility setup, and any easements or private road obligations all vary parcel to parcel and should be verified directly with the Clay County Property Appraiser and a qualified inspector before you buy. Because there is no confirmed HOA to enforce uniform upkeep, also look at how neighboring properties are maintained when you tour.

    Keystone Heights in 15 seconds.

    Best forBuyers who want an established Keystone Heights subdivision rather than a uniform new-construction tract.
    Biggest advantageA range of home types and price points with no confirmed HOA and no HOA dues.
    Biggest riskWide variation in construction type, age, and condition makes comps unreliable.
    Sweet spotA well-kept, site-built home with confirmed construction details and recent updates.
    Avoid ifYou want managed amenities or the predictability of a uniform, same-era subdivision.

    HOA, CDD & Fees

    15-Second Take
    • No HOA identified; no confirmed community dues.
    • No CDD identified, but confirm on the parcel's tax record.
    • No shared community amenities identified.
    • Confirm any private road maintenance responsibility for the specific parcel.
    • Budget for insurance and utility costs that vary by construction type.

    No homeowners association has been identified for Bedford Oaks. Homes are individually owned without a governing community association or confirmed dues.

    Because there is no confirmed HOA, there are no shared community amenities to fund. Confirm any private road maintenance agreements that may apply to a specific parcel.

    There is no golf course or private club associated with this subdivision.

    The takeaway

    Selling here is won on condition and view, not an automated estimate. The right number comes from closed comps matched to your renovation level and lot.

    Momentum listings (YTD)
    97.98%
    Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.
    Market average (YTD)
    96.73%
    The broader metro average sold-to-list ratio over the same period.
    Momentum days on market
    64 days
    Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
    Market days on market
    72 days
    The broader metro median over the same period.

    Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

    In Keystone Heights, condition and view decide your number

    Because buyers here are weighing your home against renovated comps and cross-shopping Florida Frontier, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

    What is your Keystone Heights home worth?

    Get a no-obligation home value based on real comparable sales in Keystone Heights matched to your condition, lot, and view, 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 Bedford Oaks on the map →

    Real comps, not an automated estimate.
    How much local inventory is already under contract

    21% 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 (2026-07-12).

    Price History: What Homes Here Have Actually Sold For

    Median sale prices in Bedford Oaks year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

    The real cost & risk here

    Before the list price, the Florida math the portals skip. These are Clay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

    $1,806/mo
    Clay County typical true cost to own
    $99/mo
    Clay County typical home insurance
    Check CDD
    Confirm before you offer

    County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

    Live market metrics for Bedford Oaks are being compiled from realMLS activity and will appear here as listings and sales post. For current county-level figures, see the market data links below.

    Market metrics only; these describe homes for sale and recent sales, not residents.

    Frequently Asked Questions

    Is Bedford Oaks a platted subdivision with an HOA?
    It is an established subdivision in Keystone Heights, Clay County, dating to around 1960. No homeowners association has been identified, and it is not gated or age-restricted.
    What types of homes are in the subdivision?
    The area includes a mix of site-built single-family homes and manufactured or mobile homes, with reported sizes commonly ranging from roughly 800 to about 2,000 square feet.
    Is there a CDD bond on the taxes?
    No Community Development District was identified for this subdivision, but CDD status is best confirmed on the specific parcel's tax record with the Clay County Property Appraiser.
    Do homes here have city water and sewer?
    Utility setup varies by home; some rely on private well and septic. Confirm the utility setup and get service records for any specific home.
    What schools serve the community?
    It is in the Clay County School District. Keystone Heights Elementary School and Keystone Heights Junior/Senior High School serve the area; verify the exact zoned schools by the home's address.
    How far is Gainesville and Jacksonville?
    Gainesville is roughly a 30 to 40 minute approximate drive, and Jacksonville is roughly 45 to 60 minutes. Both drive times are approximate and vary by exact location.
    What is the biggest risk of buying here?
    Because homes vary so widely in construction type, age, and condition, a simple neighborhood-wide comp does not reliably price any one listing. Each home needs its own evaluation.
    Is this a good fit if I want community amenities?
    No shared community amenities such as a pool or clubhouse have been identified here. The appeal is an established, lower-key location, not managed amenities.
    How should I evaluate a specific home?
    Confirm the exact construction type, build year, utility setup, and any easements directly with the Clay County Property Appraiser and a qualified inspector before you make an offer.
    Should I get my own agent for a purchase here?
    Yes. Mixed construction types and utility questions differ from a standard uniform-tract purchase, and your own agent represents your interests through that evaluation.
    How current is the data on this page?
    Market figures come from live Clay County MLS data and update regularly. Always confirm current price and availability directly before you make an offer.
    Who is the best real estate agent for Bedford Oaks?
    The best agent for Bedford Oaks is one who actively works Keystone Heights and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Bedford Oaks.
    How do I find a top Keystone Heights real estate agent who knows Bedford Oaks?
    Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Bedford Oaks and the wider Keystone Heights area.
    Can Momentum Realty connect me with an agent for Bedford Oaks?
    Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Bedford Oaks purchase or sale - no call center and no pressure.
    You want an established Keystone Heights subdivision rather than a new-construction tract.Excellent fit
    You prefer no confirmed HOA and more flexibility on the parcel.Excellent fit
    You are comfortable evaluating construction type, utility setup, and condition individually.Excellent fit
    You value proximity to Keystone Heights' lakes and small-town setting.Excellent fit
    You want managed community amenities like a pool or clubhouse.Probably not
    You prefer the predictability of a uniform, same-era, same-type subdivision.Probably not
    You need a short commute into central Jacksonville.Probably not
    You are not prepared to evaluate mixed construction types and utility conditions.Probably not

    Get the inside read on Keystone Heights

    Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Keystone Heights home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

    We respond personally, usually the same day.

    You are all set.

    A Momentum Realty Keystone Heights specialist will reach out personally, usually the same day.

    Median sale price in Bedford Oaks, Florida by year (2012 to 2026). Source: Momentum Realty.
    Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.

    Zoom out before you decide: see the Clay County market guide or every community in the Neighborhood Finder.

    Get my Clay County cash offer →

    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 your area comps.

    Looking to buy here? Search homes for sale →

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    A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

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