David Ramirez
$449,000$495,000$3,235 /mo all-in ↓

00 STATE ROAD 100, KEYSTONE HEIGHTS, FL, 32656

Active403 days on marketListed Jun 17, 2025MLS #GC531795

Reduced $46KWaterfront

About this home

00 STATE ROAD 100

Unlock the full potential of this exceptional 9.85-acre property, ideally positioned with direct frontage on the serene Brooklyn Lake and the popular Rails-to-Trails pathway. Located in Bradford County, this site comes development-ready with approved half-acre splits and 100-foot lot frontages-perfect for residential or recreational development. Enjoy the benefits of no impact fees, making this a cost-effective opportunity for builders and investors. The property offers a peaceful, natural setting with the convenience of being just minutes from downtown and local shopping. Whether you're envisioning a lakeside community, private estate lots, or a recreational retreat, this unique parcel delivers location, flexibility, and value. Highlights: 9.85 acres with lake and trail frontage. Approved for 0.50-acre lots with 100' frontage. No Impact Fees Close to town, schools, and amenities. Quiet & Scenic surroundings with development potential.

Facts & features

The home at a glance

9.85 ac

Lot size

WaterfrontWater view

Inside

Outside & construction

ViewWater

Community & fees

Taxes (2024)$2,793/yr

Utilities & systems

UtilitiesOther
WaterWell Required

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,235 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,643
FHA mortgage insurance (est.)$199
Property tax — 2024 actual bill$233
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,715Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,715
Interest rate6.00%
Loan term

Estimated payment

$3,235/mo

Principal & interest$2,643
FHA mortgage insurance (est.)$199
Property taxes (actual bill)$233
Est. insurance$160

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.

Where it sits

Inside Keystone Heights

Map of 00 STATE ROAD 100

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

Seller’s marketBalanced6.4 months of inventoryBuyer’s market

$285K$322K

Keystone Heights median sold, yr/yr

95.3%

Sale-to-list ratio (12 mo)

Median sold price, Keystone Heights, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 154% above the KEYSTONE HEIGHTS 32656 median. See the full Keystone Heights market guide →

Paper trail

This home's history

CurrentPrice reduced to $449,000 $46K
Jun 17, 2025Listed at $495,000 · 403 days on market since

Reality check

What actually sold near 00 STATE ROAD 100

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

115 2ND STREETSold · Aug ’25

$215,000

115 2ND STREET

2 bd · 1 ba · 775 sqft · $277/sqft · 5 DOM

123 LAKE CARLETON DRIVESold · Sep ’25

$275,000

123 LAKE CARLETON DRIVE

2 bd · 1.5 ba · 777 sqft · $354/sqft · 9 DOM

8232 SWAN LAKE ROADSold · Jan ’26

$124,500

8232 SWAN LAKE ROAD

2 bd · 2 ba · 910 sqft · $137/sqft · 412 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 00 STATE ROAD 100 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 00 STATE ROAD 100 — 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.

Goes straight to David’s phone and CRM.

Straight answers

00 STATE ROAD 100 FAQs

What would the monthly payment be for 00 STATE ROAD 100?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,235/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 00 STATE ROAD 100?+

The most recent tax bill on record (2024) was $2,793. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Keystone Heights?+

At $449,000, this home is listed about 55% above the Keystone Heights median of $289,000. The market section on this page shows how the area is trending.

The brief

Four things that matter here

01Positioned at the premium end

$449,000 runs 154% 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.

03Time on market is leverage

403 days on market against a Keystone Heights median of 46 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $495,000, now $449,000 — a $46K cut. The full history is in the market section below.

Listing courtesy of CB ISAAC REALTY · Ronald Blake. MLS #GC531795.

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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