Oak Lake Estates
Homes for Sale in Keystone Heights, FL

Oak Lake Estates market snapshot (as of October 17, 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.

In ZIP 32656 (Keystone Heights), 195 homes closed in the last 12 months at a median of $275K ($178/sq ft), down 0.3% year over year, with a median 42 days on market. Right now 48 active and 7 pending listings put supply at about 5.6 months — a buyer's market. See the live ZIP 32656 housing market and the Clay County market.

County records show 3 qualified sales in Oak Lake Estates across 2024–2025 (2 in 2024, 1 in 2025), median $90,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

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.

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.

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.

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