Belmere
Homes for Sale in Keystone Heights, FL
All 94 homes for sale in Keystone Heights, FL · median $275,000 · 118 homes for sale in 32656 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 1 closed sale in Belmere in Keystone Heights, FL, the most recent in June 2011. Across Keystone Heights as a whole, 102 homes closed in the last 12 months at a median of $272,450, 41 median days on market, with 45 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,100 ($3,510 with the full homestead exemption).
Belmere sits in Keystone Heights, out in the western reach of Clay County where the pace is rural and the drive to employment centers is a real consideration. Pricing here is less about a tidy neighborhood comp set and more about the specifics of each property — lot size, condition, and what the land itself offers. That means two homes with similar square footage can trade at very different numbers, and you cannot assume a headline figure tells the whole story.
For buyers, that condition-driven spread rewards patience and a careful walk-through; the right property at the right price exists, but it takes discernment. For sellers, presentation and honest positioning matter more than in a tract market — the home has to justify its number on its own merits, because there is no dense wall of recent sales to carry it.
Nearby homes for sale
No active listings inside Belmere right now. These are the 5 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Belmere is a Keystone Heights community in the quieter, more rural western part of Clay County, where location and land tend to drive value as much as the house itself.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Belmere is best for.
Best for
- Buyers prioritizing acreage and rural setting who accept a longer drive to work
- Patient buyers willing to underwrite a home on its own condition and land rather than comps
- Sellers with a well-presented property ready to be positioned on its individual merits
Probably not for
- Buyers who need a short commute to dense employment corridors
- Buyers who want the reassurance of a deep, active comp set before making an offer
- Buyers seeking walkable amenities and a fast-turnover subdivision feel
The market around Belmere
Belmere is too small for its own price trend, so here is the market around it.
In ZIP 32656, 148 homes are on the market and 19% are under contract — a steady corner of Keystone Heights.
Across Clay County, 1,285 homes are active and 469 pending (27% under contract).
In ZIP 32656 (Keystone Heights), 319 homes closed in the last 12 months at a median of $330K ($191/sq ft), down 5.0% year over year, with a median 43 days on market. Right now 81 active and 21 pending listings put supply at about 21.2 months — a buyer's market. See the live ZIP 32656 housing market and the Clay County market.
ZIP and county figures describe the wider market, not Belmere specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Belmere, Keystone Heights
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The Belmere buying strategy.
If we were buying in Belmere 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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 Belmere.
Reading a thin-comp market
This is not a high-turnover subdivision, and that shapes everything about how you approach it. With fewer transactions to anchor value, each sale becomes its own negotiation grounded in the individual property rather than a running neighborhood average. Buyers should expect to underwrite the home in front of them — the systems, the structure, the acreage — instead of leaning on a comp printout.
The upside of the Keystone Heights setting is space and distance from the denser corridors of the county. The trade-off is commute time and reliance on the specifics of a given parcel. Go in with clear priorities on land, condition, and location, and the market becomes far easier to read.
The location and the amenities are priced into every listing in Belmere. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin on comparable sales, generic pricing tools fall short. We work the property-by-property realities of western Clay County — condition, land, and location — and tell you plainly when a listing is priced on its merits and when it is reaching. That candor protects buyers from overpaying and helps sellers position a home that has to stand on its own.
Belmere in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Belmere 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 Belmere sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Belmere, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Belmere home worth?
Get a no-obligation home value based on real comparable sales in Belmere, 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 all homes for sale in Keystone Heights →
Should you buy in Belmere?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-24 |
| Historical depth | Closed-sale records back to 2011 (1 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.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Belmere fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Belmere. These are the public schools most often assigned to other communities in ZIP 32656; zones change and vary by address, so confirm with the district before you buy.
- Keystone Heights Elementary School · PreK-5 · FLDOE grade C (assigned to 13 nearby communities)
- Keystone Heights Junior/Senior High School · 6-12 · FLDOE grade B (assigned to 13 nearby communities)
- Keystone Heights Junior/Senior High School or your address-zoned middle school · Middle (assigned to 6 nearby communities)
- Keystone Heights Junior/Senior High · junior/senior high · FLDOE grade B (assigned to 3 nearby communities)
- Keystone Heights Elementary · elementary · FLDOE grade C (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Belmere
Where is Belmere?
Belmere is a community in Keystone Heights, Clay County, Florida, ZIP 32656.
Are there homes for sale in Belmere right now?
No active listings inside Belmere at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Belmere have an HOA or CDD?
No HOA is on record for Belmere in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near Belmere with Momentum Realty’s local guides.
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.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Clay County scorecard.
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.