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About this home
3933 SE State Road 21 is a 1963-built home in Na, Keystone Heights. Inside you'll find 5 bedrooms, 3 bathrooms, and 3,294 square feet of living space. Listed at $825,000 (about $250/sqft), 73 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
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.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$825,000
$250 per sq ft
Beds and baths
5 beds, 3 baths
Size
3,294 sq ft
Time on market
111 days
Year built
1963
Monthly payment
About $4,925/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,517 annual tax bill, insurance.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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