Keystone Club Estates
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 · Bradford County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-10-01, 5 recorded sales closed at a median of $295,000, $212 per square foot, a median 38 days on market, sellers accepting 99% of original asking. At the median price and Bradford County's FY2025-26 rate of 17.35 mills, annual property tax runs about $5,120 ($4,410 with the full homestead exemption).
Price here is driven less by any single vintage than by condition and square footage. With a median build year of 1989 but homes stretching from 1959 to 2024, what you pay tracks closely with how much updating a given house has had. The median sits at $262,000 on roughly $212 per square foot, and around a 1,940-square-foot home, but the real spread comes from renovation state, not a neighborhood-wide price tier.
The current posture is balanced-to-soft. Prices are down 4.7% year over year and the heat score of 47 says neither side owns the table. A median 21 days on market means well-priced, move-in-ready homes still clear reasonably fast, while dated or overpriced listings sit. Buyers have room to negotiate; sellers who price to condition and don't chase last year's number will do fine.
Nearby homes for sale
No active listings inside Keystone Club Est right now. These are the 6 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
Keystone Club Estates market snapshot (as of October 1, 2026): the median sale price is about $295K ($212 per sq ft over the trailing 12 months of closed sales), and a median 38 days on market for closed sales.
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.
County records show 21 qualified sales in Keystone Club Estates across 2024–2025 (12 in 2024, 9 in 2025), median $305,500 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Keystone Club Estates is a community of 267 homes in Keystone Heights, Bradford County, built between 1959 and 2024 (median 1991), with a median living area of about 1,900 square feet. 76% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Keystone Club Est is a 330-home community in Keystone Heights, Bradford County, with a wide age range of houses and a high owner-occupant share — over 76% homestead — which tends to keep turnover measured and inventory tight.
Who Keystone Club Estates is best for.
Best for
- Long-hold buyers who value a high owner-occupant, low-turnover setting over quick resale
- Buyers with a renovation budget who want to buy an older home and update it to their standard
- Value-focused buyers comfortable negotiating in a soft, balanced market around the mid-$260s
Probably not for
- Buyers expecting near-term price gains, given the 4.7% year-over-year decline
- Shoppers who want turnkey-only and no exposure to older-home condition surprises
- Buyers needing broad, always-available inventory who can't wait for the right listing
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 1 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($295K) IS the median in the snapshot above.
Windows contain 0 to 10 sales each (5 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Bradford 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 · Bradford 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.
18% 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 (2026-10-01).
Housing distress & ownership in Keystone Club Est, 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 Keystone Club Estates buying strategy.
If we were buying in Keystone Club Estates 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 Keystone Club Estates.
A condition-driven market with a long build history
Because this community spans six decades of construction, two homes at the same price can be very different animals. A 1960s house that has been fully reworked and a 2020s build can land near the same figure as an untouched older home that needs systems work. That makes inspection scope and update history the deciding factors here, more than any list price alone.
The high homestead share — better than three in four homes owner-occupied — points to a community that holds its residents rather than churning through them. Practically, that keeps active inventory limited, so buyers should be ready to move on the right house, and sellers benefit from thinner competition when they list at a realistic number.
The location and the amenities are priced into every listing in Keystone Club Estates. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Keystone Club Estates buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (8.9). Basis: Long-Term Appreciation +231% since 2012; Owner Commitment 76% owner-occupied; Pricing Power 98.9% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market where condition sets price and inventory is limited, we spend our time on the details that actually move a deal: reading a home's update history against its asking number, pricing to the 21-day reality rather than last year's peak, and helping buyers weigh renovation cost before they commit. We will also tell you plainly when a given house is priced for a market that no longer exists.
Keystone Club Estates 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 Keystone Club Estates 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 Keystone Club Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Keystone Club Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Keystone Club Estates home worth?
Get a no-obligation home value based on real comparable sales in Keystone Club Estates, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Keystone Club Estates?
How long do homes in Keystone Club Estates take to sell?
How many homes are in Keystone Club Estates?
What share of Keystone Club Estates is owner-occupied?
When were the homes in Keystone Club Estates built?
Have Keystone Club Estates home prices gone up?
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Is Keystone Club Estates a good place to live?
Should you buy in Keystone Club Estates?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | realMLS closed sales, 12-month windows ending October 1, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 32656/32666)) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| Historical depth | Closed-sale records back to 2006 (72 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.
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See how Keystone Club Est fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Keystone Club Estates with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Keystone Club Estates. 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 (assigned to 13 nearby communities)
- Keystone Heights Junior/Senior High School · 6-12 (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 (assigned to 3 nearby communities)
- Keystone Heights Elementary · elementary (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).