Plum Valley Harbor
Homes for Sale in Keystone Heights, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 13 closed sales in Plum Valley Harbor in Keystone Heights, FL since 2006, the most recent in July 2024. Across Keystone Heights as a whole, 105 homes closed in the last 12 months at a median of $269,900, 48 median days on market, with 43 homes for sale today. At that median and Bradford County's FY2025-26 rate of 17.35 mills, annual property tax runs about $4,680 ($3,980 with the full homestead exemption).
Plum Valley Harbor is a small, mixed-vintage pocket of Keystone Heights — 59 homes spanning construction from 1948 to 2014, with the median build year landing around 1986. That range is the whole story on price here: two homes of similar size can trade very differently depending on whether the systems, roof, and finishes have been touched. There is no single 'market price' so much as a condition-driven spread, and the median sale figure means less than usual until you know what shape a given house is in.
For buyers, that means underwriting each listing on its own merits — updated versus original, and what deferred work is baked in. For sellers, presentation and documented improvements do the heavy lifting; an older home that has been genuinely modernized will separate itself from the pack. With roughly 71% of homes homesteaded, turnover tends to be measured rather than churny, so well-prepared listings don't get lost in a flood of competing inventory.
The 60-Second Overview
This is a compact community with a wide age range of homes and a median size just over 2,000 square feet — large enough that floor plans and lot layouts vary meaningfully from one house to the next.
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 Plum Valley Harbor is best for.
Best for
- Buyers who can weigh renovation costs and want upside from improving an older home
- Buyers seeking around 2,000 square feet with a stable, low-turnover setting
- Long-hold buyers who value a small community over a large master-planned one
Probably not for
- Buyers who need a move-in-ready, recently built home with no capital-expense timeline
- Buyers who want a large, uniform subdivision with predictable comps
- Buyers on a tight budget who can't absorb potential roof or systems replacement on an older home
The market around Plum Valley Harbor
Plum Valley Harbor is too small for its own price trend, so here is the market around it.
In ZIP 32656, 149 homes are on the market and 18% are under contract — a steady corner of Keystone Heights.
Across Bradford County, 88 homes are active and 15 pending (15% under contract).
ZIP and county figures describe the wider market, not Plum Valley Harbor specifically. Momentum Research analysis of MLS records.
The Plum Valley Harbor buying strategy.
If we were buying in Plum Valley Harbor 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 Plum Valley Harbor.
Why condition is the real variable
With a build span from 1948 to 2014 and the middle of the pack around 1986, Plum Valley Harbor is not a single-era subdivision where every house shares the same bones. Some homes are pushing eight decades old; others are relatively recent. That means roof age, HVAC, plumbing, electrical, and window updates diverge sharply across the 59 homes, and those differences drive value more than square footage alone.
The practical takeaway: a full inspection and a clear read on capital-expense timing matter here more than in a uniform, newer community. A median living area just over 2,000 square feet gives most buyers real room to work with, but the number you should care about is what has and hasn't been updated behind the walls.
The location and the amenities are priced into every listing in Plum Valley Harbor. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A small, condition-varied community rewards local, house-by-house judgment over broad comps. We help buyers separate a genuinely updated home from a cosmetic refresh, and we help sellers document the improvements that actually move a mid-1980s-vintage home in a market where the buyer is pricing risk. In a 59-home pocket, knowing what's traded and in what shape is the whole edge.
Plum Valley Harbor 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 Plum Valley Harbor 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 Plum Valley Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Plum Valley Harbor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Plum Valley Harbor home worth?
Get a no-obligation home value based on real comparable sales in Plum Valley Harbor, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Should you buy in Plum Valley Harbor?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Historical depth | Closed-sale records back to 2006 (13 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 local comps.
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