Twin Lakes
Homes for Sale in Keystone Heights, FL
All 91 homes for sale in Keystone Heights, FL · median $277,900 · 117 homes for sale in 32656 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, the MLS records 10 closed sales in Twin Lakes in Keystone Heights, FL since 2011, the most recent in July 2024. Across Keystone Heights as a whole, 199 homes closed in the last 12 months at a median of $275,000, 44 median days on market, with 117 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,140 ($3,540 with the full homestead exemption).
Twin Lakes sits in Keystone Heights, out in the western reach of Clay County where the pace is set by lakes and land rather than commuter density. With this little hard data on the table, the honest read is that price here is driven by the specifics of each property — lot, condition, water access, and how recently it traded — far more than by any tidy neighborhood average.
For buyers, that means the work is in the diligence: two listings a short walk apart can justify very different numbers, and you earn your price by understanding why. For sellers, it means presentation and condition do real work; there is no dense stack of recent comps to carry a mispriced home, so pricing to the actual property matters.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Twin Lakes 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
Twin Lakes is a Keystone Heights community in the quieter, lake-oriented western side of Clay County — a spot to weigh on property-by-property merits rather than as a fast-moving, high-turnover market.
realMLS (Northeast Florida) sales records identify 5 homes in Twin Lakes that have changed hands since 2011, built between 1957 and 1996 (median 1959), with a median living area of about 1,670 sq ft and a typical 2-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.
County records show 3 qualified sales in Twin Lakes across 2024–2024, median $250,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 Twin Lakes is best for.
Best for
- Buyers prioritizing lot, land, and lake access over a dense, amenity-heavy subdivision
- Buyers comfortable underwriting a home on its own condition and features rather than a stack of comps
- Longer-horizon owners who value setting and space and are not counting on quick turnover
Probably not for
- Buyers who need a short, predictable commute into the Jacksonville core
- Buyers who want the reassurance of many recent, similar sales to anchor an offer
- Buyers looking for a quick flip or fast resale in a high-velocity market
The market around Twin Lakes
Twin Lakes is too small for its own price trend, so here is the market around it.
In ZIP 32656, 143 homes are on the market and 18% are under contract — a steady corner of Keystone Heights.
Across Clay County, 1,279 homes are active and 403 pending (24% under contract).
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.
ZIP and county figures describe the wider market, not Twin Lakes specifically. Momentum Research analysis of MLS records.
Twin Lakes by the numbers
From county property records and closed MLS sales for the Twin Lakes subdivision: 5 homes on record; built 1957–1996; typical size about 1,670 heated sq ft; 2 bedrooms is the median. Housing mix: single-family 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2011 | 1 | $75,000 |
| 2022 | 1 | $280,000 |
| 2023 | 1 | $515,000 |
| 2024 | 2 | $242,000 |
Newest recorded sale: $299,000 on 2024-10-04.
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 Twin Lakes buying strategy.
If we were buying in Twin Lakes 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 Twin Lakes.
Reading a thin-data market
In a community like this, the biggest mistake is treating any single number as gospel. Fewer trades mean each sale carries more weight and more noise, so a headline figure can swing on the strength of one unusual home. The value is in the parcel in front of you — its acreage, its condition, and its relationship to the lakes and the surrounding land.
That puts a premium on local underwriting. Water proximity, septic and well versus utilities, road access, and the age and upkeep of the structure all move price in ways a spreadsheet average will not show. Come prepared to look closely and to justify your offer on the property's own facts.
The location and the amenities are priced into every listing in Twin Lakes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
This is exactly the kind of market where broad online estimates fall down and boots-on-the-ground judgment pays off. We work the realMLS data for Keystone Heights and Clay County directly, walk the properties, and price to the actual home in front of us — not to an average that a handful of sales can distort. Whether you are buying or selling in Twin Lakes, our job is to tell you what a specific property is worth and, just as often, when it is not the right fit.
Twin Lakes in 15 seconds.
Tools for a Twin Lakes 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 Twin Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Twin Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Twin Lakes home worth?
Get a no-obligation home value based on real comparable sales in Twin Lakes, 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 →
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Email me new listings in Twin Lakes
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.
Ask an agent about Twin Lakes
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Twin Lakes will answer, and the answer is published on this page for the next buyer.
Price History: What Homes Here Have Actually Sold For
Median sale prices in Twin Lakes Keystone Heights year by year since 2012, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
How many homes are in Twin Lakes?
What share of Twin Lakes is owner-occupied?
When were the homes in Twin Lakes built?
Who is the best real estate agent for Twin Lakes?
How do I find a top Keystone Heights real estate agent who knows Twin Lakes?
Can Momentum Realty connect me with an agent for Twin Lakes?
Where is Twin Lakes, and what county is it in?
How far is Twin Lakes from downtown Jacksonville and the beach?
Should you buy in Twin Lakes?
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 (1 streets, ZIP 32656)) |
| Under-contract shares | realMLS records, as of 2026-11-12 |
| Historical depth | Closed-sale records back to 2011 (10 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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