Keystone Point Homes for Sale

Keystone Point is an age-restricted 55+ community in North Miami, Miami-Dade County, Florida, governed under the Housing for Older Persons Act (HOPA). Homes are priced from $2,900,000 to $4,000,000. At least one resident per home must be 55 or older. Pure Equity lists homes in Keystone Point and represents buyers. Commission is negotiable, and what we are paid is agreed with you in writing before you commit to anything.

Pure Equity Realty covers Keystone Point and the North Miami area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows 25 Keystone Point North Miami homes for sale as of October 2026. The median asking price is $3.0M. Asking prices run from $1.29M to $7.95M.

That is 714% above the North Miami median of $369,000. On a per-foot basis, homes here ask about $1,119 per square foot, compared with $282 across North Miami. So the median price buys roughly 2,700 square feet of living area.

Listings here have averaged 169 days on the market. That tracks the North Miami average of 141 days, so pricing and terms follow the wider city market.

Homes listed in Keystone Point date from 1952 to 2021. That puts them between 5 and 74 years old.

The range straddles 2002, when Florida adopted its statewide building code. Therefore two similar-looking homes here can carry very different insurance premiums. Ask for the wind mitigation report on any home you consider, since it drives much of that difference.

In addition, most Florida insurers ask for a four-point inspection on homes 30 years or older. It covers the roof, electrical, plumbing and HVAC. Updated systems usually make coverage easier to place.

Keystone Point includes waterfront homes. Waterfront lots in South Florida often sit in FEMA special flood hazard areas, where lenders require flood insurance. Before you commit, look up the address on the FEMA Flood Map Service Center and ask the seller for an elevation certificate.

At a median near $3.0M, Keystone Point sits in the luxury tier of North Miami. Jumbo financing and proof of funds usually come up early in these negotiations.

Rentals in Keystone Point have a median asking rent of $8,438 per month, across 8 active rental listings. For comparison, the North Miami median is $2,150, so rents here run 292% higher.

For investors, those medians imply a gross yield near 3.4% a year. However, that figure comes before HOA dues, property tax, insurance and vacancy. Also check the association documents first, because many Florida HOAs cap leases or set minimum terms.

You can browse current North Miami rentals or ask us for a rent estimate on a specific Keystone Point home.

Here is what the median Keystone Point price means in Florida closing terms. At $3.0M, a 20% down payment comes to about $600,000, leaving a loan near $2.4M.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $8,397. Next, the intangible tax of 0.2% adds about $4,798. Buyers normally pay both at closing.

On the seller side, Miami-Dade charges deed stamps of 60 cents per $100 on a single-family home, about $17,994 at this price. Condos and other property types pay a higher rate.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.

Recent Keystone Point listings show assignments to David Lawrence Jr. K-8 (elementary), North Miami (middle) and Alonzo and Tracy Mourning (high). However, boundaries can change each year, so confirm the assignment for a specific address with Miami-Dade County Public Schools.