Big Tree Lakes
Homes for Sale in Keystone Heights, FL

Big Tree Lakes market snapshot (as of September 13, 2026): the median sale price is about $270K ($149 per sq ft over the trailing 12 months of closed sales), a median 28 days on market for closed sales, and 3.8 months of supply, a balanced market. The trailing-12-month median is up 4% from the prior 12 months and up 543% since 2012, computed from record-level realMLS closed sales (35 closings in the current window).

In ZIP 32656 (Keystone Heights), 277 homes closed in the last 12 months at a median of $338K ($218/sq ft), down 4.8% year over year, with a median 47 days on market. Right now 82 active and 19 pending listings put supply at about 4.6 months — a balanced market. See the live ZIP 32656 housing market and the Clay County market.

County records show 16 qualified sales in Big Tree Lakes across 2024–2025 (13 in 2024, 3 in 2025), median $225,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Flood zones in Big Tree Lakes: of 24 listing addresses checked against the FEMA National Flood Hazard Layer, 79% sit outside the FEMA Special Flood Hazard Area (Zone X); 21% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary — verify any specific address at msc.fema.gov.

Big Tree Lakes is a community of 120 homes in Keystone Heights, Clay County, built between 1983 and 2024 (median 2001.0), with a median living area of about 1,506 square feet. 32% 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.

• 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.

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.

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.

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.