Belmore Ridge Unrec
Homes for Sale in Keystone Heights, FL
All 91 homes for sale in Keystone Heights, FL · median $277,900 · 117 homes for sale in 32656 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of RIVER CITY RENTALS AND REALTY · via realMLS
As of November 2026, the MLS records 10 closed sales in Belmore Ridge Unrec in Keystone Heights, FL since 2019, the most recent in January 2026. Across Keystone Heights as a whole, 199 homes closed in the last 12 months at a median of $275,000, 44 median days on market, with 117 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,140 ($3,540 with the full homestead exemption).
Belmore Ridge Unrec is an unrecorded subdivision in Keystone Heights, out in the rural southwest corner of Clay County. That "Unrec" tag matters: without a recorded plat, lot lines, access, and utility arrangements tend to vary parcel to parcel, so price here is driven far more by what a specific property actually offers — acreage, road frontage, well and septic, structure condition — than by any tidy per-square-foot comp.
With that kind of variability, treat any single price signal as a starting point, not a verdict. The practical work is on the ground: confirm access, survey, and land condition before you anchor to a number. For a seller, the story is the parcel's specifics; for a buyer, the leverage is in due diligence.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Belmore Ridge Unrec right now. These are the 3 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
This is rural Keystone Heights in southwest Clay County, an unrecorded subdivision where each parcel tends to stand on its own terms rather than conforming to a uniform neighborhood template.
realMLS (Northeast Florida) sales records identify 6 homes in Belmore Ridge Unrec that have changed hands since 2019, built between 1996 and 2025 (median 2009), with a median living area of about 2,272 sq ft and a typical 4-bedroom, 3-bath layout; 83% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 3 qualified sales in Belmore Ridge Unrec across 2024–2024, median $380,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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.
The setting & the homes.
Aerial and on-site photos of Belmore Ridge Unrec. Swipe to explore the community.
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Belmore Ridge Unrec
Belmore Ridge Unrec
Belmore Ridge Unrec
Belmore Ridge UnrecPhotos from realMLS listings in Belmore Ridge Unrec; content deemed reliable but not guaranteed.
Who Belmore Ridge Unrec is best for.
Best for
- Buyers prioritizing acreage and privacy over walkability or a short commute
- Buyers comfortable with well, septic, and a longer, diligence-heavy closing
- Cash or patient buyers who can absorb extra survey and title work before closing
Probably not for
- Buyers who need municipal utilities and a turnkey home
- Buyers on a tight timeline who want a fast, standard financed close
- Buyers who want the predictability of a recorded, uniform subdivision
The market around Belmore Ridge Unrec
Belmore Ridge Unrec is too small for its own price trend, so here is the market around it.
In ZIP 32656, 143 homes are on the market and 18% are under contract — a steady corner of Keystone Heights.
Across Clay County, 1,279 homes are active and 403 pending (24% under contract).
In ZIP 32656 (Keystone Heights), 157 homes closed in the last 12 months at a median of $270K ($156/sq ft), down 3.4% year over year, with a median 42 days on market. Right now 44 active and 10 pending listings put supply at about 3.4 months — a balanced market. See the live ZIP 32656 housing market and the Clay County market.
ZIP and county figures describe the wider market, not Belmore Ridge Unrec specifically. Momentum Research analysis of MLS records.
The Belmore Ridge Unrec buying strategy.
If we were buying in Belmore Ridge Unrec 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 Belmore Ridge Unrec.
What Unrecorded actually means here
An unrecorded subdivision has no formally recorded plat on file, which changes how you shop and how you close. Boundaries, easements, and legal access may be defined by deed description rather than a plat map, and financing and title work can take longer because a lender or title company will want those details pinned down. None of that makes the area a poor buy — it makes it a diligence-driven one.
Expect rural systems and rural distances: well and septic rather than municipal hookups on many parcels, and a Keystone Heights location that trades proximity for space. The upside is land and privacy; the tradeoff is longer drives and a slower, more document-heavy transaction. Budget your time and inspections accordingly.
The location and the amenities are priced into every listing in Belmore Ridge Unrec. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Unrecorded rural parcels reward brokers who read surveys, deeds, and access questions closely rather than leaning on neighborhood averages. We work the specifics — boundaries, easements, well and septic, and clean title — so you know what you are buying or exactly what you are selling before contract, not after.
Belmore Ridge Unrec in 15 seconds.
Tools for a Belmore Ridge Unrec buy.
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Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Belmore Ridge Unrec sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Belmore Ridge Unrec, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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Recently off market in Belmore Ridge Unrec
Homes in Belmore Ridge Unrec that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 4924 Shady Creek Drive · off market
- 6060 County Road 315C · off market
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Keystone Heights guides & data
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Recent Developments in Belmore Ridge Unrec
Development, infrastructure, retail, and school activity affecting Belmore Ridge Unrec, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Schools
Clay school district says one-mill referendum renews, not raises, property tax
The Clay County school district says the referendum on the upcoming ballot renews the one-mill levy voters first approved in 2020 at the same rate. The money funds school law enforcement contracts and compensation to retain and attract teachers and support staff. A citizens' advisory committee reviews spending, and the district says non-renewal would leave a funding shortfall.
What it may mean for the marketThe outcome sets school operating funding and staffing support for Clay County without changing the current millage rate. The project is about 16 miles northeast of Belmore Ridge Unrec, elsewhere in Clay County.
Source: Clay Today - October 2026Retail & Dining
Grumpy's opens largest location yet on Fleming Island
Grumpy's opened at 1803 East-West Parkway in the former Dick's Wings and Grill space, with a Oct. 12 grand opening after benefit soft-opening dinners on Oct. 9 and 10. At 5,352 square feet it is the chain's largest of six Northeast Florida locations, seating up to 190. The owners plan a third restaurant.
What it may mean for the marketA large breakfast-and-lunch restaurant filling a vacant East-West Parkway space adds a dining option on Fleming Island. The project is about 20 miles northeast of Belmore Ridge Unrec, elsewhere in Clay County.
Source: Clay Today - September 2026Infrastructure
County Road 220 widening and Little Black Creek bridge replacement open to traffic in Clay County
The project finished ahead of schedule, with a new four-lane bridge over Little Black Creek replacing a 1947 structure. Phase 1 began in December 2024 with intersection improvements at Rideout Ferry Road, and Phase 2 began in January 2025. Officials say it should ease traffic along the corridor.
What it may mean for the marketA four-lane CR 220 corridor improves commute capacity for Fleming Island and Middleburg area drivers. The project is about 19 miles north of Belmore Ridge Unrec, elsewhere in Clay County.
Source: News4JAX - June 2026Builder Activity
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
What it may mean for the marketAdds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 14 miles north of Belmore Ridge Unrec, elsewhere in Clay County.
Source: News4Jax - June 2026Infrastructure
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
What it may mean for the marketNew limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 16 miles northeast of Belmore Ridge Unrec.
Source: Jax Daily Record
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.
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Ask an agent about Belmore Ridge Unrec
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Price History: What Homes Here Have Actually Sold For
Median sale prices in Belmore Ridge Unrec Keystone Heights year by year since 2019, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
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Should you buy in Belmore Ridge Unrec?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: November 12, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32656)) |
| Under-contract shares | realMLS records, as of 2026-11-12 |
| Historical depth | Closed-sale records back to 2019 (10 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.
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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 listings in Northeast Florida sold at 99.1% of final list price vs. 98.6% for the market, in a median 31 days vs. 41 (realMLS, 12 months to Nov 2026). A Momentum agent can price yours against live local comps.
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