Silver Ridge
Homes for Sale in Keystone Heights, FL
All 95 homes for sale in Keystone Heights, FL · median $269,900 · 118 homes for sale in 32656 · Bradford County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 8 closed sales in Silver Ridge in Keystone Heights, FL since 2018, the most recent in June 2025. Across Keystone Heights as a whole, 102 homes closed in the last 12 months at a median of $269,650, 40 median days on market, with 45 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 ($3,970 with the full homestead exemption).
Price in Silver Ridge is driven by condition and vintage, not by a tidy tier of new construction. With a building span running from 1932 to 2024 and a median build year of 1985, you are looking at a genuinely mixed inventory: pre-war cottages, mid-cycle homes, and the occasional new build all trade in the same small pool. That spread means two homes of similar size can be priced very differently based on updates, roof and systems, and lot. Read each listing on its own merits rather than assuming a neighborhood-wide number.
This is a small market — 67 homes — and roughly 72% carry a homestead exemption, which tells you most owners here live in their homes rather than turning them quickly. Low turnover keeps supply thin, so sellers with a well-kept, updated home hold a real position. Buyers should come prepared to move on the right house and to underwrite older properties carefully, because the age range here rewards inspection diligence over speed.
Nearby homes for sale
No active listings inside Silver Ridge 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
Silver Ridge is a compact, owner-occupied pocket of Keystone Heights in Bradford County, where a wide age range of homes and a median size near 1,890 square feet means the inventory is more about individual condition than a single product type.
realMLS (Northeast Florida) sales records identify 6 homes in Silver Ridge that have changed hands since 2018, built between 1972 and 2025 (median 2023), with a median living area of about 2,177 sq ft and a typical 3-bedroom, 2-bath layout; 100% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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 Silver Ridge is best for.
Best for
- Buyers comfortable underwriting an older home's systems in exchange for character and a settled setting
- Patient shoppers who can move quickly when the right well-kept home in a thin market appears
- Owner-occupants seeking a modestly sized primary home rather than a quick flip
Probably not for
- Buyers who want turnkey new construction and a predictable, uniform product
- Shoppers who need a deep menu of active listings to compare at once
- Investors counting on fast turnover in a market where most owners stay put
The market around Silver Ridge
Silver Ridge is too small for its own price trend, so here is the market around it.
In ZIP 32656, 145 homes are on the market and 20% are under contract — a steady corner of Keystone Heights.
Across Bradford County, 89 homes are active and 13 pending (13% under contract).
In ZIP 32656 (Keystone Heights), 318 homes closed in the last 12 months at a median of $334K ($186/sq ft), down 5.3% year over year, with a median 42 days on market. Right now 81 active and 19 pending listings put supply at about 4.9 months — a balanced market. See the live ZIP 32656 housing market and the Clay County market.
ZIP and county figures describe the wider market, not Silver Ridge specifically. Momentum Research analysis of MLS records.
Silver Ridge by the numbers
From county property records and closed MLS sales for the Silver Ridge subdivision: 6 homes on record; built 1972–2025; typical size about 1,866 heated sq ft; 3 bedrooms is the median. Housing mix: single-family 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2018 | 1 | $225,000 |
| 2021 | 2 | $237,000 |
| 2024 | 2 | $315,000 |
| 2025 | 1 | $300,000 |
Newest recorded sale: $300,000 on 2025-06-30.
Recorded data as of 2026-09-12; counts cover addresses tagged to this subdivision in the public record, not every parcel. Not an appraisal.
The Silver Ridge buying strategy.
If we were buying in Silver Ridge 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 Silver Ridge.
A mixed-vintage market that rewards diligence
The defining feature here is age spread. When a community holds homes built as early as 1932 alongside construction as recent as 2024, there is no standard house. The median year built of 1985 sits closer to the middle of that range, but medians hide the tails — and in Silver Ridge the tails matter. Expect to evaluate roofs, electrical, plumbing, and HVAC on a home-by-home basis, and to price accordingly.
Size gives you a firmer anchor than age: a median living area around 1,890 square feet points to modest, functional floor plans rather than sprawl. Combined with a homestead share above 70%, the picture is a settled, low-churn place where inventory turns slowly. That favors patient buyers who can act decisively and sellers who invest in condition before listing.
The location and the amenities are priced into every listing in Silver Ridge. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 67-home market with this much variation in vintage and condition, the value is in reading each property correctly — what an older home's systems will actually cost you, and what an updated one is genuinely worth against thin comparable sales. We work the numbers we can stand behind and tell you when a listing's price is condition-driven rather than location-driven, so you neither overpay nor walk away from the right house for the wrong reason.
Silver Ridge 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 Silver Ridge 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 Silver Ridge sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Silver Ridge, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Silver Ridge home worth?
Get a no-obligation home value based on real comparable sales in Silver Ridge, 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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Frequently Asked Questions
How many homes are in Silver Ridge?
What share of Silver Ridge is owner-occupied?
When were the homes in Silver Ridge built?
Who is the best real estate agent for Silver Ridge?
How do I find a top Keystone Heights real estate agent who knows Silver Ridge?
Can Momentum Realty connect me with an agent for Silver Ridge?
Where is Silver Ridge, and what county is it in?
Should you buy in Silver Ridge?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32656)) |
| Under-contract shares | realMLS records, as of 2026-09-26 |
| Historical depth | Closed-sale records back to 2018 (8 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 →
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See how Silver Ridge fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Silver Ridge with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Silver Ridge. 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 (assigned to 13 nearby communities)
- Keystone Heights Junior/Senior High School · 6-12 (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 (assigned to 3 nearby communities)
- Keystone Heights Elementary · elementary (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).