3933 SE STATE ROAD 21, Keystone Heights, FL, 32656
About This Home
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.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1963
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
- Laundry features: Inside,Laundry Room
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Built-in Features,Ceiling Fan(s),Eating Space In Kitchen,High Ceilings,Living Room/Dining Room Combo,Primary Bedroom Main Floor,Split Bedroom,Vaulted Ceiling(s)
- Flooring: Carpet,Tile,Hardwood
- Fireplace features: Family Room,Living Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 3,398
- Total interior livable area: 3,294 sqft
Kitchen
- Level: First
Living Room
- Level: First
Primary Bedroom
- Features: Walk-In Closet(s)
- Level: First
Property
Details
- Parcel number: 05994000000
- Zoning: 0100
- Special condition: None
Features
- Levels: One
- Stories: 1
- Private pool: Yes
- Pool features: Deck,In Ground
- Exterior features: Lighting,Private Entrance,Private Mailbox,Private Yard,Rain Gutters,Storage
- Has view: Yes
- View description: Water
- Water view: Water
Lot
- Lot size: 0.66 Acres
- Features: Landscaped,Oversized Lot
- Lot size dimensions: 105 x 200
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Hurricane
- Heat Wave
- Inland Flooding
- Strong Wind
- Tornado
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Bradford County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,186 | $50,232 |
| Home Insurance * | $523 | $6,276 |
| Property Taxes | $372 | $4,464 |
| Electricity | $331 | $3,978 |
| Total | $5,412 | $64,944 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-16 | Price change | $825,000 |
| 2026-06-20 | Listed for sale | $828,000 |
View on Zillow