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Silver Sands Estates in Keystone Heights

Silver Sands Estates
Homes for Sale in Keystone Heights, FL

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All 91 homes for sale in Keystone Heights, FL · median $277,900 · 117 homes for sale in 32656 · Clay County homes for sale

Community in Keystone Heights · Clay County · ZIP 32656
182 homesBuilt 1924–2024Median sale $220K
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Live Market Pulse
50/100
Market Heat
Near its long-run normal
2014 → 2026 · 76 at the 2024 peak
0 is Silver Sands Estates's coldest market since 2014, 100 its hottest. Today: 50. How it's scored

Photo courtesy of FLORIDA HOMES REALTY & MTG LLC · via realMLS

Built fromLive realMLS data15 years of closingsFL DOR public recordsUpdated twice daily

As of November 2026, Silver Sands Estates in Keystone Heights, FL has 2 homes for sale. Over the 12 months ending 2026-11-12, 5 recorded sales closed at a median of $220,000, $139 per square foot, a median 4 days on market, sellers accepting 92% of original asking. Homes listed or recently sold were built 1967–2026 with 2 new construction; none of the 7 geocoded homes sit in a FEMA special flood hazard zone (median elevation 134 ft). At the median price and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $3,310 ($2,720 with the full homestead exemption).

Live · Silver Sands Estates Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$220K ▼
Median sold · 12 mo
down 26.7% vs the prior 12 months
-26.7% ▼
1-yr price change
n = 5 and 7 sales in the two windows
$139/sf
Sold $/sqft · 12 mo
peak $180 in 2025
91.7%
Sale vs ask
Tempo
4.8mo
Supply
3 to 6 months is the balanced band
4days
Median DOM · closed
4 days at the 2026 low
0%
Under contract
Clay: 24% (403 of 1,682)
2 · 0
For sale · pending
live counts, refreshed twice daily
5
Sold · last 12 mo
10-yr average: about 5 a year
Ownership and context
39%
Owner-occupied · Silver Sands Estates
126 of 325 parcels homesteaded (FL DOR 2025)
61%
Non-owner-occupied · Silver Sands Estates
incl. 6% trust or LLC-held · 11% out-of-state
182
Homes in the community
plus 143 vacant residential lots · 325 residential parcels (FL DOR 2025)
Track record · 15 years of records
11
Recorded sales · 2024-2025
median $250K · qualified sales on the county roll (FL DOR 2025)
1924–2024
Years homes were built
median 1996 · county roll (FL DOR 2025)
1,586sqft
Median sold home size
12-mo windows, closed sales
2.7%/yr
Turnover rate
about 5 of 182 homes trade a year
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 15, 2026

Silver Sands Estates covers 192 homes in Keystone Heights, with construction spanning 1924 to 2024 and a median build year of 1996 — a genuine mix of older and newer stock that does most of the explaining when it comes to price. The median sale here is $277,500, or about $155.28 a square foot on a typical 1,397-square-foot home, and with only 2 active listings against that base of 192 homes, condition and lot specifics move the number more than any single feature.

The recent read points to a market cooling off a stronger stretch: prices are down 7% year-over-year on 8 closings in the current window, even as homes that do sell move in a median of 14.5 days — a sign that well-priced, ready properties still clear quickly while others sit. Months of supply near 3.0 keeps this in balanced territory, not a seller's runaway or a buyer's standoff, and a homestead share of 38% suggests owner-occupied properties are setting the pace here rather than investor turnover.

Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.

Silver Sands Estates Housing Pulse · Momentum Research · as of November 12, 2026

Silver Sands Estates right now

🟡 Balanced market. 4.8 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of November 12, 2026. Confidence: Medium (2 active and pending listings, 5 closed sales in 12 months).

🔴 Off the recent peak. The trailing-12-month median ($220K) is down 26.7% from the prior 12 months ($300K). With about 5 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending November 12. Confidence: Low (5 and 7 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

By , Co-Founder, Momentum Realty · Updated November 13, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Silver Sands Estates market snapshot (as of November 12, 2026): the median sale price is about $220K ($139 per sq ft over the trailing 12 months of closed sales), a median 4 days on market for closed sales, and 4.8 months of supply, a balanced market. The trailing-12-month median is down 27% from the prior 12 months, computed from record-level realMLS closed sales (5 closings in the current window).

In ZIP 32656 (Keystone Heights), 157 homes closed in the last 12 months at a median of $270K ($156/sq ft), down 3.4% year over year, with a median 42 days on market. Right now 44 active and 10 pending listings put supply at about 3.4 months — a balanced market. See the live ZIP 32656 housing market and the Clay County market.

County records show 11 qualified sales in Silver Sands Estates across 2024–2025 (7 in 2024, 4 in 2025), median $250,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Silver Sands Estates is a community of 182 homes in Keystone Heights, Clay County, built between 1924 and 2024 (median 1995.5), with a median living area of about 1,400 square feet. 39% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Set in Keystone Heights within Clay County, Silver Sands Estates spans a full century of construction — homes built as early as 1924 and as recently as 2024 — giving buyers a genuine range of vintages and lot styles within one address rather than a single cookie-cutter build era.

Quick Match

Who Silver Sands Estates is best for.

Best for

  • Buyers with a target budget near the $277,500 median who want flexibility on home age and style rather than a single build era.
  • Buyers prepared to move decisively when one of the community's limited active listings fits, given the median 14.5-day time on market.
  • Buyers evaluating a purchase primarily on the home and lot itself, since no shared community amenities are part of the value equation.

Probably not for

  • Buyers who need a defined roster of community amenities as part of what they are paying for.
  • Buyers expecting a large active inventory to compare against — only 2 listings are on the market at a time.
  • Buyers assuming last year's pricing still holds; the market here is down 7% year-over-year.

Price History: What Homes Here Have Actually Sold For

Median sale price over the trailing 12 months ending November 12 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($220K) IS the median in the snapshot above, and the move from 2025 ($300K) IS the -26.7% one-year change.

Windows contain 0 to 7 sales each (5 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.

Median sale price · trailing 12 mo
$100K$200K$300K20122014201620182020202220242026
Down 26.7% year over year.
Every sale since 2011 · price vs size
$0$100K$200K$300K1k2k2k
61 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$50$100$15020122014201620182020202220242026
Up from $62 in 2012 to a $180 peak in 2025; $139 now.
Median days on market · closed sales
05020122014201620182020202220242026
4 days at the 2026 low; 4 now.
Sale price vs original ask · median
90%100%20122014201620182020202220242026
91.7% now.
Homes sold per 12-mo window
024620122014201620182020202220242026
0 to 7 a year; 5 in the current window.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning20142018202020242026
76 at the 2024 peak, 12 in the troughs, 50 now. Same score as the hero card, full history.
How much local inventory is already under contract

17% 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 (2026-11-13).

Silver Sands Estates Market Scorecard

Balanced

Silver Sands Estates is currently a balanced market. About 4.8 months of supply, a median asking price of $259,945, and homes go under contract in about 37 days.

4.8
Months supply
$259,945
Median list
$220,000
Median sold
$207
List $/sqft
37
Days on mkt
2/0/5
Active/Pend/Sold 12 mo

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.

Homes For Sale Right Now in Silver Sands Estates

Live MLS inventory for Silver Sands Estates. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

5792 SILVER SANDS Circle home for sale in Silver Sands EstatesActive · 37 daysTop listing
$329,990
3 bd · 2 ba · 1,593 sqft · built 2026
5792 SILVER SANDS Circle, Keystone Heights, 32656
Listed by REAL BROKER LLC
7595 OAK FOREST Road home for sale in Silver Sands EstatesActive · 36 days
$189,900
3 bd · 2 ba · 1,288 sqft · built 1999
7595 OAK FOREST Road, Keystone Heights, 32656
Listed by SUPREME PATH BROKERAGE LLC

Active and pending Silver Sands Estates listings as of 2026-11-13, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.

Every Home for Sale in Silver Sands Estates Keystone Heights Right Now (2)

All 2 active and pending Silver Sands Estates Keystone Heights listings with a detail page, newest first, refreshed twice a day from the MLS.

Interactive Map

Silver Sands Estates on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.

Listing locations from realMLS. Map data © OpenStreetMap contributors.

Nearby & Commute

How far is everything?

The takeaway

Everyday stops around Silver Sands Estates are close: the nearest dining is about 2 minutes away.

Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.

Nearby Communities

Explore more neighborhoods near Silver Sands Estates with Momentum Realty’s local guides.

Silversands Estate0.2 mi away · 130 homes, built 1924–24Big Tree Lakes0.2 mi away · median $270K, 35 sales/12 moSilver Sands0.2 mi awayBigtree0.3 mi awayKeystone Heights Clay0.4 mi away · median $275K, 19 sales/12 moFlorida Frontier0.9 mi away · median $260K, 11 sales/12 moMckasel Lake Heights Middleburg0.9 mi awayWhite Oak Farms1.1 mi away

Browse all neighborhood guides →

Schools

In short
  • Clay County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Keystone Heights ElementaryFLDOE grade C · Public elementary
  • Keystone Heights Junior/Senior HighFLDOE grade B · Public 7-12
  • McRae Elementary (area)FLDOE grade A · Public elementary

Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Clay County Public Schools for a specific address.

Buying with schools in mind? We can confirm the exact zoned schools for any Silver Sands Estates address.

The Strategy

The Silver Sands Estates buying strategy.

If we were buying in Silver Sands Estates today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Sands Estates.

The Quick Decision
Best Buy
Buyers comfortable evaluating homes across a wide range of build years rather than a single uniform style.
Biggest Risk
Only 2 active listings at a time means limited immediate selection and less room to be picky on timing.
Sweet Spot
Buyers targeting the $277,500 median price point on a home near 1,397 square feet.
Avoid If
You need shared community amenities as part of the purchase — none are identified in current listings.
The Deep Dive

A wide build spectrum, a narrow window to buy

With just 2 active listings across 192 homes, there is not much on the shelf at any given moment, and the pace backs that up: a median 14.5 days on market against 8 closings in the current window and 3.0 months of supply. That combination is what keeps the market classified as balanced rather than tilted hard toward either side — sellers are not commanding a bidding war, but buyers are not waiting out a glut either.

Price mechanics here run through condition and vintage more than a shared feature set: the median sale of $277,500 works out to $155.28 per square foot on a median 1,397-square-foot home, and with no community amenities identified from current MLS listings, the value case is built on the home and lot themselves. The 7% year-over-year pull-back is worth registering as a market-wide adjustment rather than a signal about any one property, and a 38% homestead share indicates a meaningful share of owner-occupied properties among the 192 homes in the community.

“

The location and the amenities are priced into every listing in Silver Sands Estates. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the factors that decide how a home in Silver Sands Estates buys, holds, and resells. Momentum Research; not an appraisal.

3.4D · Buy Score
Recent Direction0.0/10
Liquidity & Demand5.2/10
Owner Commitment3.9/10
Pricing Power4.4/10

Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (3.4). Basis: Recent Direction -26.7% year-over-year; Liquidity & Demand 4.8 months of supply; Owner Commitment 39% owner-occupied; Pricing Power 91.7% sale-to-list. Refreshed with each data update.

Why Momentum

Why work with Momentum here

A community built across a full century of construction, with only 2 active listings at any given time, is not one where you can shop by search filter alone — the difference between a 1924 build and a 2024 build on the same street is the whole conversation. We track Silver Sands Estates closely enough to know which of the 192 homes are trading near the $277,500 median on genuine merit and which are priced off condition or lot factors that a listing photo will not show you.

The 15-Second Verdict

Silver Sands Estates in 15 seconds.

Best forBuyers comfortable evaluating homes across a wide range of build years rather than a single uniform style.
Biggest advantageA balanced market with quick turnover on well-priced homes — median 14.5 days on market.
Biggest riskOnly 2 active listings at a time means limited immediate selection and less room to be picky on timing.
Sweet spotBuyers targeting the $277,500 median price point on a home near 1,397 square feet.
Avoid ifYou need shared community amenities as part of the purchase — none are identified in current listings.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Silver Sands Estates homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Silver Sands Estates.
In short
  • No CDD
  • HOA status not on record. Verify any dues before you offer

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

Page states no CDD.

Run Your Numbers

Tools for a Silver Sands Estates buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxClay County millage and the homestead picture.Rent vs buyThe breakeven on owning in Silver Sands Estates.Save Our HomesProject your homestead tax cap over time.
The takeaway

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

Selling in Silver Sands Estates

Price it to the comps and condition, not an automated estimate.

If you are thinking about selling in Silver Sands 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 Silver Sands Estates home worth?

Get a no-obligation home value based on real comparable sales in Silver Sands 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 →

Real comps, not an automated estimate.

Recently off market in Silver Sands Estates

Homes in Silver Sands Estates that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 8 on record.

Silver Sands Estates key facts
LocationKeystone Heights, Clay County, FL · ZIP 32656
Homes in the community182 (FL DOR 2025 assessment roll)
Years built1924–2024 (median 1995.5)
Typical living area1,400 sq ft (median)
Home types (current listings and sales)single-family 57%, manufactured homes 29%, mobile homes 14%
Sale prices, last 12 months$220,000 median across 5 closed sales · $139 per sq ft · -26.7% vs the prior 12 months
Days on market (closed sales)4 median
For sale right now2 active, 0 pending · median asking $259,945 · 4.8 months of supply
Owner-occupied (homestead) share39%
Zoned public schoolsKeystone Heights Elementary (C, FLDOE 2025-26); Keystone Heights Junior/Senior High (B, FLDOE 2025-26); McRae Elementary (area) (A, FLDOE 2025-26)

Data as of November 12, 2026. Data provided by realMLS; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Silver Sands Estates key facts,” movewithmomentum.com/neighborhoods/silver-sands-estates-keystone-heights, data as of November 12, 2026.

Just listed in Silver Sands Estates

The newest homes for sale in Silver Sands Estates right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.

Checked against the MLS nightly. All new listings in this market.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

Email me new listings in Silver Sands Estates

One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Silver Sands Estates

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Silver Sands Estates will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

Frequently Asked Questions

What is the median home price in Silver Sands Estates?
The median sale price in Silver Sands Estates was $220K over the 12 months ending November 12, 2026 (5 closed sales, realMLS).
How long do homes in Silver Sands Estates take to sell?
Homes that closed in the 12 months ending November 12, 2026 took a median 4 days on market (5 sales, realMLS).
Is Silver Sands Estates a buyer's or seller's market right now?
As of November 12, 2026, Silver Sands Estates is roughly balanced: 4.8 months of supply at the current sales pace (realMLS live counts).
How many homes are in Silver Sands Estates?
The Florida DOR 2025 assessment roll shows 182 homes plus 143 vacant residential lots in Silver Sands Estates (public records).
What share of Silver Sands Estates is owner-occupied?
39% of Silver Sands Estates parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Silver Sands Estates built?
Homes in Silver Sands Estates were built between 1924 and 2024, with a median year built of 1995.5 (FL DOR 2025 roll).
What schools serve Silver Sands Estates?
Silver Sands Estates is served by Clay County Public Schools, typically Keystone Heights Elementary, Keystone Heights Junior/Senior High and McRae Elementary (area). Confirm the exact zoning by address with the district.
Who is the best real estate agent for Silver Sands Estates?
The best agent for Silver Sands 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 Silver Sands Estates.
How do I find a top Keystone Heights real estate agent who knows Silver Sands Estates?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Silver Sands Estates and the wider Keystone Heights area.
Can Momentum Realty connect me with an agent for Silver Sands Estates?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Silver Sands Estates purchase or sale - no call center and no pressure.
Where is Silver Sands Estates, and what county is it in?
Silver Sands Estates is in Keystone Heights, Clay County, FL, ZIP 32656. The community's center is about 2 miles south of the center of Keystone Heights (straight-line).
How far is Silver Sands Estates from downtown Jacksonville and the beach?
About 42 miles from downtown Jacksonville and about 42 miles from the Atlantic beach at Vilano Beach, both straight-line; driving distance is usually 15 to 30 percent more.
Is Silver Sands Estates a good place to live?
That depends on your budget, commute and what you want in a home, so here is what the data says about Silver Sands Estates: the median sale price over the last 12 months was $220K (5 sales), 20% below the Keystone Heights median of $275K; homes took a median 4 days to go under contract; the assessment roll counts 182 homes, 39% of them homesteaded (owner-occupied); listings report Keystone Heights Elementary (C), Keystone Heights Junior/Senior High (B), McRae Elementary (area) (A) as the zoned schools, with FLDOE grades for 2025-26; supply is 4.8 months at the current sales pace, which is balanced. The full numbers, price history and the flood and school sections are above.
The Verdict

Should you buy in Silver Sands Estates?

An honest fit check. We will tell you when it is not your community.

Buyers with a target budget near the $277,500 median who want flexibility on home age and style rather than a single build era.Excellent fit
Buyers prepared to move decisively when one of the community's limited active listings fits, given the median 14.5-day time on market.Excellent fit
Buyers evaluating a purchase primarily on the home and lot itself, since no shared community amenities are part of the value equation.Excellent fit
Buyers who need a defined roster of community amenities as part of what they are paying for.Probably not
Buyers expecting a large active inventory to compare against — only 2 listings are on the market at a time.Probably not
Buyers assuming last year's pricing still holds; the market here is down 7% year-over-year.Probably not

Data sources & freshness

Live listingsrealMLS, refreshed twice daily (last: November 13, 2026)
Community market statsrealMLS closed sales, 12-month windows ending November 12, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (4 streets, ZIP 32656))
Under-contract sharesrealMLS records, as of 2026-11-12
Schools2025-26 district assignments + FLDOE school grades; verify with the district
Historical depthClosed-sale records back to 2011 (61 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 listings in Northeast Florida sold at 99.1% of final list price vs. 98.6% for the market, in a median 31 days vs. 41 (realMLS, 12 months to Nov 2026). A Momentum agent can price yours against live local comps.

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