130 SW PEACH STREET, KEYSTONE HEIGHTS, FL, 32656
Active316 days on marketListed Sep 26, 2025MLS #V4945106
About this home
130 SW PEACH STREET
Virtually Staged. Welcome to easy Florida living just a short stroll from the sandy shoreline of Lake Geneva. This charming 3 bed, 2 bath, 1,472 sq ft home sits on an oversized, tree-shaded lot on a quiet street—perfect for morning walks and backyard play. Inside, you’ll love the large, open living spaces, upgraded bathrooms, and a one-car extended garage for extra storage and/or a workshop. Step outside and the lifestyle really shines. Pop over to Keystone Beach/Geneva Jungle for swims, picnics, and playground time, or launch a day of boating and fishing on Lake Geneva’s waters. Walking distance to Keystone Heights Elementary and Keystone Heights High School. The Palatka-to-Lake Butler State Trail offers miles of paved biking and walking just minutes away, and you’re about 25–35 minutes to Gainesville for work, Gator games, and city amenities. It’s the laid-back, small-town pace with big-time outdoor fun Florida families love—right where you live. Square footage received from tax rolls. All information recorded in the MLS intended to be accurate but cannot be guaranteed.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,472
Sqft
0.49 ac
Lot size
1
Garage
1962
Year built
One
Levels
$187
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.
$2,205 /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
$2,205/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
+3.9%
$/sqft vs Keystone Heights actives
$187 vs $177
Days on market
316 vs 61 typical
Where $187/sqft sits among the 29 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
$300K → $322K
Keystone Heights median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
16 of 29
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 46% 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 130 SW PEACH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$190,000
395 SW GROVE STREET · same community
3 bd · 2 ba · 1,728 sqft · $110/sqft · 82 DOM
Sold · Jun ’26$170,000
6685 WOODLAND DRIVE
3 bd · 2 ba · 1,499 sqft · $113/sqft · 2 DOM
Sold · Jun ’26$257,000
8160 ALDERMAN ROAD
2 bd · 2 ba · 1,416 sqft · $181/sqft · 305 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 130 SW PEACH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 130 SW PEACH STREET — 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
130 SW PEACH STREET FAQs
What would the monthly payment be for 130 SW PEACH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,205/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 130 SW PEACH STREET?+
The most recent tax bill on record (2024) was $3,654. 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 $275,000, this home is listed about 6% below the Keystone Heights median of $292,450. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$275,000 runs 46% above the KEYSTONE HEIGHTS 32656 median.
02Time on market is leverage
316 days on market against a Keystone Heights median of 61 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $299,000, now $275,000 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY ATLANTI · Chelsea French. MLS #V4945106.
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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