5622 SILVER SANDS Circle, Keystone Heights, FL, 32656 | $359,000

Private Lakefront Retreat - White Sandy Beaches, Floating Dock & Endless Potential.

Escape to your own lakeside sanctuary with this 2-bedroom, 2-bathroom home nestled on a private, residents-only lake. Whether you're looking for a peaceful weekend retreat or a full-time residence, this property offers the perfect blend of natural beauty, privacy, and opportunity.

Step inside to find a functional layout with spacious living areas. Fireplace is positioned perfectly between two sliding glass doors to enjoy the vew of the lake as well. There is a sunroom with private access that offers it's own stunning lake view, with the flexibility to be used as a 3rd bedroom, office, or guest space. While the home could benefit from a few updates and personal touches, it offers a solid foundation and endless potential to make it your own. The true gem of this property lies just beyond the back door, your very own private white sandy beach along the shoreline, perfect for relaxing in the sun, swimming, or launching a kayak. One of only two homes on the lake with a floating dock, you'll enjoy easy access to fishing, and water play just steps from your door. Three generous storage sheds provide ample space for all your lake gear, tools, and toys, so everything you need is always within reach. Car port is also equipt with RV power hook up. Whether you're dreaming of summer barbecues on the beach, quiet mornings with a cup of coffee by the water, or cozy nights by the fire after a day on the lake, this property delivers a rare and peaceful setting with room to grow. Bring your vision and make this lakeside escape truly yours. Don't miss this unique opportunity to own a piece of private lakefront paradise!

Features

  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Washer Hookup
  • Style: Traditional
  • Year Built: 1983
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,630
  • Acreage: 0.63
  • Est. Taxes: $3,605
  • HOA Fee: $50 Annually
  • Lot Desc: Many Trees, Sprinklers In Front, Sprinklers In Rear
  • View: Lake
  • Water Front: Yes
  • Appliances: Dishwasher, Electric Range, Refrigerator
  • MLS#: 2108401
  • Days on Market: 109 days
  • Website: https://www.raveis.com
    /prop/2108401/5622silversandscircle_keystoneheights_fl?source=qrflyer
Copyright © 2026  Northeast Florida Multiple Listing Service,
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than William Raveis Real Estate are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.
Listing courtesy of KALLAM REALTY GROUP PLLC

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

5622 SILVER SANDS Circle, Keystone Heights, FL, 32656

$359,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $287,200 $287,200 $287,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.292% 5.609%
Monthly Tax Payment $300 $300 $300
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,631 $1,745 $2,328
Total Monthly Payment $2,006 $2,120 $2,703

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.