7765 TWIN LAKES ROAD, KEYSTONE HEIGHTS, FL, 32656
Active45 days on marketListed Jun 15, 2026MLS #FC319262
About this home
7765 TWIN LAKES ROAD
Welcome to your lakefront retreat on beautiful spring-fed Twin Lakes! This charming 3-bedroom, 2-bath home offers approximately 1,600 square feet of comfortable living space in the historic Twin Lakes community near Keystone Heights. Inside, you'll find a spacious kitchen featuring granite countertops and a convenient dining room/living room combo, perfect for everyday living and entertaining. The primary bedroom offers peaceful lake views and direct access to the back deck, creating the perfect place to start and end your day. Step outside to the large covered back deck and embrace the serenity of waterfront living. Enjoy your morning coffee while listening to birds sing, leaves rustle in the breeze, and the gentle sounds of nature surrounding this peaceful lakeside setting. The spring-fed, sand-bottom waters of Twin Lakes are ideal for fishing, boating, kayaking, swimming, and year-round recreation. Situated on an Agricultural Residential (AR) zoned parcel, this property offers the flexibility of a rural lifestyle with room for chickens and other permitted agricultural uses. A large storage shed provides additional space for motorcycle storage, tools, outdoor equipment, and lake toys. Twin Lakes is known for its clear waters, natural beauty, and timeless Old Florida charm. Whether you're looking for a full-time residence, weekend getaway, or investment opportunity, this waterfront property offers a rare opportunity to enjoy relaxed lakefront living while remaining conveniently located near Keystone Heights, Gainesville, Jacksonville, and surrounding areas.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,600
Sqft
0.55 ac
Lot size
1950
Year built
One
Levels
$178
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,283 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,283/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−1.6%
$/sqft vs Keystone Heights actives
$178 vs $170
Days on market
45 vs 46 typical
Where $178/sqft sits among the 30 Keystone Heights actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Keystone Heights
Get to know Keystone Heights. See the full Keystone Heights guide →
KEYSTONE HEIGHTS 32656 — neighborhood snapshot
Population
15,630
Median age
40.4
Median income
$73,201
Median home value
$202,900
Avg household
2.74
Households w/ children
2,259
The numbers that matter
The Keystone Heights market
$285K → $322K
Keystone Heights median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
16 of 30
Keystone Heights actives have cut their price
Median sold price, Keystone Heights, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 95% above the KEYSTONE HEIGHTS 32656 median. See the full Keystone Heights market guide →
Paper trail
This home's history
Reality check
What actually sold near 7765 TWIN LAKES ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$110,000
6090 COUNTY ROAD 214
3 bd · 2 ba · 1,620 sqft · $68/sqft · 4 DOM
Sold · Oct ’25$164,000
7980 STATE ROAD 100
3 bd · 2 ba · 1,690 sqft · $97/sqft · 81 DOM
Sold · Apr ’26$295,000
7157 WESLEYAN ROAD
3 bd · 2 ba · 1,380 sqft · $214/sqft · 46 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 7765 TWIN LAKES ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7765 TWIN LAKES ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
7765 TWIN LAKES ROAD FAQs
What would the monthly payment be for 7765 TWIN LAKES ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,283/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 7765 TWIN LAKES ROAD?+
The most recent tax bill on record (2025) was $3,904. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 7765 TWIN LAKES ROAD?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Keystone Heights?+
At $284,000, this home is listed about 2% below the Keystone Heights median of $289,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$284,000 runs 95% above the KEYSTONE HEIGHTS 32656 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $299,999, now $284,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE · Christeen Haney. MLS #FC319262.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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