3933 SE STATE ROAD 21, KEYSTONE HEIGHTS, FL, 32656
Active44 days on marketListed Jun 20, 2026MLS #GC541111
Come see it
Upcoming open house
Sat, Aug 15
12:00 PM – 3:00 PM
About this home
3933 SE STATE ROAD 21
Welcome to a truly one of a kind Lake Geneva waterfront retreat. Nestled among mature trees and lush landscaping, this remarkable property feels like your own private botanical garden, featuring more than 50 palm trees, hundreds of azaleas and camellias, and a variety of fruit trees including navel oranges, citrus, figs, and pears. With over 125 feet of shoreline, breathtaking lake views are showcased throughout the home. Offering 3,294 square feet, 5 bedrooms, and 3 bathrooms, this lovingly maintained home has been enjoyed by only two owners and is thoughtfully designed for both everyday living and entertaining. Two front entrances welcome you inside, where the family room with a fireplace, dining room, and living room with a second fireplace flow seamlessly together. Expansive windows frame stunning views of the lake and fill the home with natural light. The spacious kitchen features new appliances, abundant storage, and a window above the sink overlooking the pool and lake. Enjoy easy access to outdoor living from both the kitchen nook and living room. The centrally located primary suite offers a private en-suite bathroom and convenient access to the main living areas. A desirable split floor plan provides privacy for family and guests, with two bedrooms and a shared bathroom located near the laundry room on one side of the home and two additional bedrooms sharing a bathroom on the opposite side. Step outside and discover the true magic of this property. The 30 x 40 in ground pool is complemented by a brand new oversized deck and concrete surround, creating the perfect setting for entertaining, relaxing, and enjoying the peaceful waterfront setting. An outdoor shower adds convenience after a day spent swimming or enjoying the lake. Recent updates include a new roof in 2024, exterior painting in 2025, new appliances, and extensive improvements to the pool area. Rarely does a property provide this combination of waterfront living, mature landscaping, privacy, and timeless charm. This is more than a home, it is a treasured Lake Geneva retreat ready for its next chapter.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,294
Sqft
3.1 ac
Lot size
1963
Year built
One
Levels
$251
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.
$5,148 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,148/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+10.9%
$/sqft vs NA
$251 vs $287
Days on market
44 vs 46 typical
Where $251/sqft sits among the 126 homes for sale in NA
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)
58 of 126
NA have cut their price
Median sold price, Keystone Heights, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 479% 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 3933 SE STATE ROAD 21
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$167,000
Carr 681 kM.HM 11.7 BO. ISLOTE SEC MELILLA · same community
3 bd · 1 ba · 3,514 sqft · $48/sqft · 27 DOM
Sold · Dec ’25$800,000
1751 SW 54TH COURT · same community
5 bd · 2.5 ba · 3,021 sqft · $265/sqft · 108 DOM
Sold · Jul ’26$1,100,000
17345 SWEETWATER ROAD · same community
3 bd · 2.5 ba · 2,573 sqft · $428/sqft · 21 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 3933 SE STATE ROAD 21 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3933 SE STATE ROAD 21 — 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
3933 SE STATE ROAD 21 FAQs
What would the monthly payment be for 3933 SE STATE ROAD 21?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,148/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 3933 SE STATE ROAD 21?+
The most recent tax bill on record (2025) was $2,517. 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 $828,000, this home is listed about 187% above the Keystone Heights median of $289,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of MATCHMAKER REALTY OF ALACHUA COUNTY · Gia Arvin. MLS #GC541111.
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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