Pear Lake 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 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 1 closed sale in Pear Lake Estates in Keystone Heights, FL, the most recent in September 2015. Across Keystone Heights as a whole, 102 homes closed in the last 12 months at a median of $272,450, 41 median days on market, with 45 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,100 ($3,510 with the full homestead exemption).
Pear Lake Estates sits in Keystone Heights, out in the western reach of Clay County where the pace is rural and the lots run larger than what you find closer to the county's population centers. This is not a market that moves on comps alone; here, condition, acreage, and what a given property actually offers drive price more than any neighborhood average. Two homes on the same street can price very differently depending on how they've been kept and what sits on the land.
For buyers, that means the work is in the walkthrough, not the spreadsheet — you evaluate each property on its own merits rather than assuming a going rate. For sellers, it means presentation and honest condition disclosure carry real weight, because there's no dense stack of recent sales pulling your number up automatically. Price it to the property, not to a wish.
Nearby homes for sale
No active listings inside Pear Lake Estates 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
Pear Lake Estates is a Keystone Heights community in the quieter, more spread-out part of Clay County — a place to look if you want distance from the denser corridors and don't mind trading convenience for room.
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.
Who Pear Lake Estates is best for.
Best for
- Buyers prioritizing acreage and privacy over proximity to services
- Those comfortable with rural property systems like well and septic
- Buyers who plan to hold and aren't counting on quick turnover
Probably not for
- Buyers who need a short commute to Jacksonville-area employment centers
- Those wanting walkable retail, dining, and dense amenities nearby
- Buyers who expect a liquid, fast-moving resale market
The market around Pear Lake Estates
Pear Lake Estates is too small for its own price trend, so here is the market around it.
In ZIP 32656, 148 homes are on the market and 19% are under contract — a steady corner of Keystone Heights.
Across Clay County, 1,285 homes are active and 469 pending (27% 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 Pear Lake Estates specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Pear Lake Estates, 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 Pear Lake Estates buying strategy.
If we were buying in Pear Lake 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 Pear Lake Estates.
Reading a thin-data market
Keystone Heights is a small, rural-leaning market, and Pear Lake Estates reflects that. Listings here don't turn over in the volume you'd see nearer to Orange Park or the interstate, which means each sale tells you less about the next. That's not a weakness — it's the nature of a low-density area — but it changes how you should approach both buying and selling.
The practical takeaway: lean on property-specific diligence. Inspections, well and septic considerations common to rural Clay County, land features, and the actual state of the structure will tell you more about value than any average. Come in ready to assess a home on what it is, not on what a busier market would price it at.
The location and the amenities are priced into every listing in Pear Lake Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a thin, rural market like Keystone Heights, generic pricing models fall short — the value lives in the details of each property and the realities of Clay County land. We work these markets by walking the property, weighing condition and acreage honestly, and telling you plainly when a listing is priced to its merits and when it isn't.
Pear Lake 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 Pear Lake 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 Pear Lake Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Pear Lake 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 Pear Lake Estates home worth?
Get a no-obligation home value based on real comparable sales in Pear Lake 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.
See all homes for sale in Keystone Heights →
Should you buy in Pear Lake Estates?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-24 |
| Historical depth | Closed-sale records back to 2015 (1 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.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Pear Lake Estates fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Pear Lake 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 · FLDOE grade C (assigned to 13 nearby communities)
- Keystone Heights Junior/Senior High School · 6-12 · FLDOE grade B (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 · FLDOE grade B (assigned to 3 nearby communities)
- Keystone Heights Elementary · elementary · FLDOE grade C (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Pear Lake Estates
Where is Pear Lake Estates?
Pear Lake Estates is a community in Keystone Heights, Clay County, Florida, ZIP 32656.
Are there homes for sale in Pear Lake Estates right now?
No active listings inside Pear Lake Estates at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Pear Lake Estates have an HOA or CDD?
No HOA is on record for Pear Lake Estates in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near Pear Lake Estates with Momentum Realty’s local guides.
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.