Loch Lommond
Homes for Sale in Keystone Heights, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of FLORIDA HOMES REALTY & MTG LLC · via realMLS
Loch Lommond is a small, wide-ranging market in Keystone Heights: 103 homes spanning build years from 1945 to 2024, with the median landing at 1982. That kind of spread means condition and updates drive price far more than any single benchmark. The one number worth anchoring to is the median living area of roughly 1,784 square feet — a mid-sized footprint that tells you most of what you're comparing against.
With a homestead share of 62%, this is a lived-in community rather than an investor churn, so inventory moves at its own pace and turnover tends to be modest. For buyers, that argues for patience and a close read on condition; for sellers, it means the homes that are genuinely updated set the tone, while dated properties get priced accordingly.
The setting & the homes.
Aerial and on-site photos of Loch Lommond. Swipe to explore the community.
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Loch LommondPhotos from realMLS listings in Loch Lommond; content deemed reliable but not guaranteed.
Who Loch Lommond is best for.
Best for
- Buyers wanting a mid-sized home who will evaluate condition and updates individually
- Renovation-minded buyers looking for an older home to bring up to date
- Long-hold buyers comfortable in a stable, mostly owner-occupied market
Probably not for
- Buyers who need a large, sprawling floor plan well above the median footprint
- Investors expecting high turnover and quick flips
- Buyers who want uniform, move-in-ready new construction with no variability
The market around Loch Lommond
Loch Lommond is a small community — 12 recorded sales on file, most recently in 2026 — too few for its own price trend. Here is the market around it.
In ZIP 32656, 90 homes are on the market and 21% are under contract — a steady corner of Keystone Heights.
Across Clay County, 725 homes are active and 300 pending (29% under contract).
Homes here are single family residence.
ZIP and county figures describe the wider market, not Loch Lommond specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Loch Lommond
Live MLS inventory for Loch Lommond. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Loch Lommond listings as of 2026-07-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- 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 Loch Lommond buying strategy.
If we were buying in Loch Lommond 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 Loch Lommond.
A market defined by range, not a template
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.
The location and the amenities are priced into every listing in Loch Lommond. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
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.
Loch Lommond in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 Loch Lommond 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 Loch Lommond sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Loch Lommond, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Loch Lommond home worth?
Get a no-obligation home value based on real comparable sales in Loch Lommond, 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 homes for sale in Loch Lommond on the map →
20% 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 (2026-07-18).
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.
Frequently Asked Questions
How many homes are in Loch Lommond?
What share of Loch Lommond is owner-occupied?
When were the homes in Loch Lommond built?
Who is the best real estate agent for Loch Lommond?
How do I find a top Keystone Heights real estate agent who knows Loch Lommond?
Can Momentum Realty connect me with an agent for Loch Lommond?
Should you buy in Loch Lommond?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Loch Lommond with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (2 streets, ZIP 32656)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2016 (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.
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 your area comps.
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