Loch Lommond
Homes for Sale in Keystone Heights, FL

Loch Lommond mixes postwar houses with brand-new construction across a compact Clay County pocket, so no two comps look alike — age and condition, not a uniform product type, define the market here.

realMLS (Northeast Florida) sales records identify 8 homes in Loch Lommond that have changed hands since 2016, built between 1973 and 2012 (median 1996), with a median living area of about 1,835 sq ft and a typical 3-bedroom, 2-bath layout; 100% 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 Loch Lommond across 2024–2025 (2 in 2024, 1 in 2025), median $400,000 — 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.

Loch Lommond is too small for its own price trend, so here is the market around it.

In ZIP 32656, 146 homes are on the market and 18% are under contract — a slower corner of Keystone Heights.

Across Clay County, 1,290 homes are active and 439 pending (25% 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 Loch Lommond specifically. Momentum Research analysis of MLS records.

• Keystone Heights · Elementary
• Keystone Heights · High

Zoned schools reflect the assignments reported on recent Loch Lommond listings 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 Loch Lommond address.

The nearly eight-decade build span — 1945 through 2024 — is the single most important thing to understand about Loch Lommond. You are not shopping one era or one floor plan. A buyer here may tour a mid-century original, a 1980s home near the median vintage, and a recent build in the same afternoon. That variety is an opportunity if you know what you want and a trap if you assume the last sale tells you much about the next one.

Because the median living area sits around 1,784 square feet, most of the stock is right-sized rather than sprawling. Pricing follows condition: an updated home commands its own conversation, while an original one is a project priced as a project. Read every listing on its own merits and lean on comparable condition, not just square footage or address.

In a market this varied — postwar to new construction, all within one small Keystone Heights community — the value is in sorting condition from vintage and pricing each home honestly against its true peers. We do the comp work property by property, and we will tell you plainly when a listing is a bargain, a project, or simply overpriced for what it is.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.