5616 Silver Sands Cir, photo 1
Active
1 / 31

Overview

3 bd2 ba1,760 sqft2 car garageSingle Family
TypeSingle Family
HOA$45/yr
Built1967
Lot24,350 sqft
Living area1,760 sqft
Price / sqft$199
Garage2 car

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Kitchen/Family Room ComboPrivate MailboxRain GuttersBuilt-in OvenDryerMicrowaveRefrigerator

5616 Silver Sands Cir is a 1967-built home in Silver Sands Estates, Keystone Heights. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,760 square feet of living space. Listed at $350,000 (about $199/sqft), 57 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $45 annually.

From the listing

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. As an added bonus, there is 120 ft of paved driveway giving you paved access from the road to your front door! 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!

The essentials

Built
1967
Price / sqft
$199
On market
57 days
Annual tax
$624
HOA
$45/yr
Flood zone
X · Low risk
Lot
24,350 sqft
Type
Single Family Residence

At a glance

Single family
Built 1967
Waterfront
Lake Front
2 car garage
0.56 acres
Lot size
1,760 sqft
Living area

Payment

Est. monthly payment
$2,056/mo
Down payment (20%)
$70,000
Property taxes
$52/mo
HOA
$45/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1967
Lot
24,350 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Lake Front
Days on Market
57
Ceiling Fans(s)
Kitchen/Family Room Combo
Private Mailbox
Rain Gutters
Built-in Oven
Dryer
Microwave
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$624
Parcel #
14-08-23-001504-000-00

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Silver Sands Estates
County
Clay
MLS Area
32656 - Keystone Heights
Lot Size
24,350 sqft
HOA
$45/yr

Price history

Date
Event
Price
8/18/2026
Listed for sale
Source: Stellar MLS #GC542817
$350,000
$199/sqft

Neighborhood

5616 Silver Sands Cir
Keystone Heights, FL, 32656 · 32656 - Keystone Heights

Market insights

Offer Insights

Choose an offer strength

List price: $350,000
$330,000 – $350,000
94.4% – 100% of listTops out right at the list price
80% of listList price
15 of the last 28 home closings in 32656 landed at this number or higher (54%). The median one sat 35 days before it went under contract, and this one is on day 57.

Sample: 28 closed home sales in 32656 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,056/mo
Principal & interest$1,825
Property taxes$52
Insurance$175
HOA$4
Down payment20% · $70,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. 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

$350,000

$199 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,760 sq ft

Time on market

57 days

Year built

1967

Monthly payment

About $2,056/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $624 annual tax bill, insurance, and the $45/yr HOA fee.

HOA fee

$45/yr

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byREMAX SELECT PARTNERSListing agent: Danette DragesetListing data from Stellar MLS, MLS# GC542817.

Keep exploring Florida

Pick up where you left off, or see what else is out there.