5616 SILVER SANDS CIRCLE, KEYSTONE HEIGHTS, FL, 32656
Active1 days on marketListed Aug 18, 2026MLS #GC542817
About this home
5616 SILVER SANDS CIRCLE
Welcome to Silver Sands Lake, where everyday life comes with a little more sunshine and a whole lot more relaxation! Tucked away on a beautiful half-acre lakefront lot in Keystone Heights in North Florida, this charming two story 3 bedroom/ 2 bathroom lake home is ready for someone who appreciates slow mornings and sunset views. Additionally there is a separate small home office making work from home at the lake a breeze! Step outside to the large deck off the main living area and kitchen area, which is perfect for grilling, entertaining friends and sipping your morning coffee to enjoy the view. There is a 2nd den/living area downstairs with a fireplace and the owner's suite which gives privacy and has its own separate exterior door to a patio overlooking the lake. Follow the path down toward the water and discover your own lakeside retreat, complete with a seawall and a little gazebo closer down by the sandy beach that leads to the water’s edge. Which is a perfect spot for fishing, watching wildlife, or ending the day with a spectacular sunset. Need room for the toys, tools, or weekend projects? There is a detached garage that gives you that extra space while keeping the main home uncluttered. Its an easy commute to Gainesville, Middleburg, Palatka or Jacksonville. Whether you're looking for a full-time home on the lake, a weekend escape, or simply a place where the lake becomes part of your everyday lifestyle, this property has all the ingredients for making memories. Bring your kayak, fishing pole, favorite lawn chair, and a good book—lake life is waiting for you!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,760
Sqft
0.56 ac
Lot size
2
Garage
1967
Year built
Two
Levels
$199
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 and the real association fee — not generic estimates.
$2,431 /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
$2,431/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
+0.2%
$/sqft vs Keystone Heights actives
$199 vs $170
Days on market
1 vs 61 typical
Where $199/sqft sits among the 24 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 → $268K
Keystone Heights median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
14 of 24
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 155% 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 5616 SILVER SANDS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$330,000
5687 SILVER SANDS CIRCLE · same community
3 bd · 2 ba · 1,333 sqft · $248/sqft · 0 DOM
Sold · Nov ’25$112,000
5676 SILVER SANDS CIRCLE · same community
3 bd · 1 ba · 864 sqft · $130/sqft · 16 DOM
Sold · Jul ’26$265,000
5670 ACADIA STREET
3 bd · 2 ba · 1,512 sqft · $175/sqft · 39 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5616 SILVER SANDS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5616 SILVER SANDS CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5616 SILVER SANDS CIRCLE FAQs
What would the monthly payment be for 5616 SILVER SANDS CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,431/mo — principal and interest, the actual property-tax bill, the $4/mo association fee 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.
How much are the HOA fees at 5616 SILVER SANDS CIRCLE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5616 SILVER SANDS CIRCLE?+
The most recent tax bill on record (2025) was $624. 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 5616 SILVER SANDS CIRCLE?+
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 $350,000, this home is listed about 19% above the Keystone Heights median of $295,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$350,000 runs 155% 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.
03Fresh on the market
Only 1 day on market in a Keystone Heights market that averages 61 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of REMAX SELECT PARTNERS · Danette Drageset. MLS #GC542817.
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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