Oak Lake Estates
Homes for Sale in Keystone Heights, FL

Community in Keystone Heights · Clay County · ZIP 32656
58 homesBuilt 1960–2023Median sale $260K
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True comps, carrying-cost math, and listings before the portals.

Built fromLive realMLS data21 years of closingsFL DOR public recordsUpdated twice daily
Live · Oak Lake Estates Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 8,500+ transactions · Top 1% in Florida (RealTrends)
Price
$260K
Median sold · 12 mo
$172/sf
Sold $/sqft · 12 mo
peak $172 in 2026
100.0%
Sale vs ask
Tempo
3days
Median DOM · closed
3 days at the 2026 low
6
Sold · last 12 mo
10-yr average: about 1 a year
Ownership and context
39%
Owner-occupied · Oak Lake Estates
39 of 99 parcels homesteaded (FL DOR 2025)
61%
Non-owner-occupied · Oak Lake Estates
incl. 6% trust or LLC-held · 13% out-of-state
58
Homes in the community
plus 41 vacant residential lots · 99 residential parcels (FL DOR 2025)
Track record · 21 years of records
Est. 1960
Community established
homes built 1960-2023, median 1994 (FL DOR 2025)
2
Failed listings · 2026
peaked at 4 in 2013
1,512sqft
Median sold home size
12-mo windows, closed sales
10.3%/yr
Turnover rate
about 6 of 58 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Price in Oak Lake Estates is driven by condition and vintage, not a uniform product. With a build range spanning 1960 to 2023 and a median year built around 1993, you are shopping across several eras of construction under one community name, and the median sale price of $260,030 reflects that blend rather than any single tier. At roughly $172 per square foot against a median of about 1,317 living square feet, homes here are modestly sized, so updates and lot quality move the number more than raw footage does.

The current posture is fast. A median of just two and a half days on market means well-priced, presentable homes are clearing almost immediately. For sellers, that argues for pricing to the median discipline of the moment rather than reaching. For buyers, it means pre-approval and a decision-ready mindset are non-negotiable; there is little room to deliberate at this speed.

The 60-Second Overview

Oak Lake Estates market snapshot (as of July 11, 2026): the median sale price is about $260K ($172 per sq ft over the trailing 12 months of closed sales), and a median 3 days on market for closed sales.

Oak Lake Estates is a community of 58 homes in Keystone Heights, Clay County, built between 1960 and 2023 (median 1993.5), with a median living area of about 1,317 square feet. 39% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Oak Lake Estates is a small Keystone Heights community in Clay County where a wide construction span, from 1960 into 2023, sits under one name, so no two listings are truly comparable without a walkthrough.

Windows contain 0 to 6 sales each (6 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.

Homes sold per 12-mo window
024620122014201620182020202220242026
0 to 6 a year; 6 in the current window.
Sellers who gave up · failed listings per year
02420082016202020242026
Canceled, expired, or withdrawn. 4 quit in 2013; 2 so far in 2026. The clearest stress gauge a community has.

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.

$1,806/mo
Clay County typical true cost to own
$99/mo
Clay County typical home insurance
Check CDD
Confirm before you offer

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.

How much local inventory is already under contract

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 (2026-07-10).

A mixed-vintage community moving at speed

The defining feature here is spread. When the oldest homes predate the newest by more than six decades, the median price tells you the middle of the market but very little about the home in front of you. Two listings at similar prices can differ sharply in systems, layout, and finish. That makes comparable analysis and an in-person read more important than any headline figure.

With 58 homes in the community and only six closings in the window, this is a thin, low-turnover market where a single sale swings the averages. Combine that thinness with a median of two and a half days on market and you get a place where good inventory does not sit. A homestead share near 39 percent suggests a meaningful portion of homes are owner-occupied rather than turning over frequently, which reinforces the limited-supply picture.

Why work with Momentum here

In a thin market with wide construction vintages and near-immediate turnover, the median tells you almost nothing about a specific house. We do the parcel-level work: pulling true comparables across the right era and condition tier, reading each home on its own systems and finishes, and getting you decision-ready before a listing hits, because at this speed hesitation is what loses the deal.

Oak Lake Estates in 15 seconds.

Best forBuyers who can move quickly on a modestly sized home in a low-turnover Clay County pocket.
Biggest advantageHomes that show well and price to the market clear almost immediately.
Biggest riskA thin market of a few closings means the median can mislead on any single home.
Sweet spotA condition-checked home bought with financing lined up and a fast decision ready.
Avoid ifYou need a large home or a leisurely, negotiate-over-weeks process.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Oak Lake Estates sales matched to your home.

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Real comps, not an automated estimate.

Frequently Asked Questions

What is the median home price in Oak Lake Estates?
The median sale price in Oak Lake Estates was $260K over the 12 months ending July 11, 2026 (6 closed sales, realMLS).
How long do homes in Oak Lake Estates take to sell?
Homes that closed in the 12 months ending July 11, 2026 took a median 3 days on market (6 sales, realMLS).
How many homes are in Oak Lake Estates?
The Florida DOR 2025 assessment roll shows 58 homes plus 41 vacant residential lots in Oak Lake Estates (public records).
What share of Oak Lake Estates is owner-occupied?
39% of Oak Lake Estates parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Oak Lake Estates built?
Homes in Oak Lake Estates were built between 1960 and 2023, with a median year built of 1993.5 (FL DOR 2025 roll).
Who is the best real estate agent for Oak Lake Estates?
The best agent for Oak Lake Estates is one who actively works Keystone Heights and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Oak Lake Estates.
How do I find a top Keystone Heights real estate agent who knows Oak Lake Estates?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Oak Lake Estates and the wider Keystone Heights area.
Can Momentum Realty connect me with an agent for Oak Lake Estates?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Oak Lake Estates purchase or sale - no call center and no pressure.
Buyers with financing in place who can commit within days of seeing a homeExcellent fit
Those comfortable with a modestly sized floor plan around the community's median square footageExcellent fit
Owner-occupant buyers wanting a low-turnover Keystone Heights locationExcellent fit
Buyers needing substantial square footage or new-construction uniformityProbably not
Shoppers who want a wide, always-available selection to compare at leisureProbably not
Anyone expecting a slow negotiation window at these days-on-market speedsProbably not

Data sources & freshness

Community market statsrealMLS closed sales, 12-month windows ending July 11, 2026
Housing stock & ownershipFlorida DOR 2025 assessment roll (street-list match (2 streets, ZIP 32656))
Under-contract sharesrealMLS records, as of 2026-07-10
Historical depthClosed-sale records back to 2005 (19 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 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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