6408 SWARTHMORE DRIVE, KEYSTONE HEIGHTS, FL, 32656
Active17 days on marketListed Oct 20, 2026MLS #FC322225
About this home
6408 SWARTHMORE DRIVE
**LARGE LOT**UPDATED**GREAT LOCATION** Uncover the potential of this charming and cozy 3 bed/2 bath, 1,560 sqft home. It features tons of upgrades, a durable METAL ROOF, and thoughtful details like modern lighting fixtures and stylish woodlike flooring throughout! Enjoy lots of extra space, including a living room with a cozy FIREPLACE and a kitchen boasting a cute breakfast bar, stainless steel appliances, an oven with an elegant range hood, and tons of cabinetry and light. The spacious primary suite offers a private retreat, while outside you can relax on the huge SCREENED-IN FRONT PORCH or enjoy the large and shaded backyard on a HALF-ACRE LOT. You get the best of both worlds with this house - it’s located on a frontage road for a quiet, more rural feel, while remaining just minutes from the town’s shopping and dining, and the highway. Don’t miss out, schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,344
Sqft
0.34 ac
Lot size
1973
Year built
One
Levels
$186
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,072 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,072/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Keystone Heights actives
$186 vs $158
Days on market
17 vs 72 typical
Where $186/sqft sits among the 33 Keystone Heights actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Keystone Heights
Get to know Keystone Heights. See the full Keystone Heights guide →
KEYSTONE HEIGHTS 32656 — neighborhood snapshot
Population
15,836
Median age
42.6
Median income
$74,213
Median home value
$231,200
Avg household
2.67
Households w/ children
2,130
For the school run
Clay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Keystone Heights market
$283K → $357K
Keystone Heights median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
16 of 33
Keystone Heights actives have cut their price
Median sold price, Keystone Heights, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 94% above the KEYSTONE HEIGHTS 32656 median. See the full Keystone Heights market guide →
Paper trail
This home's history
Reality check
What actually sold near 6408 SWARTHMORE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$295,000
7157 WESLEYAN ROAD · same community
3 bd · 2 ba · 1,380 sqft · $214/sqft · 46 DOM
Sold · May ’26$136,000
6204 KENT AVENUE · same community
2 bd · 2 ba · 1,176 sqft · $116/sqft · 0 DOM
Sold · May ’26$136,000
6204 KENT AVENUE · same community
2 bd · 2 ba · 1,176 sqft · $116/sqft · 112 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kyler Lang
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 6408 SWARTHMORE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6408 SWARTHMORE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6408 SWARTHMORE DRIVE FAQs
What would the monthly payment be for 6408 SWARTHMORE DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,072/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 6408 SWARTHMORE DRIVE?+
The most recent tax bill on record (2025) was $1,022. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Keystone Heights?+
At $250,000, this home is listed about 11% below the Keystone Heights median of $280,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6408 SWARTHMORE DRIVE?+
Keystone Heights Elementary (elementary), Keystone Heights Junior/Senior High (high) — Clay County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CHAD AND SANDY REAL ESTATE GRP · Chad Neumann. MLS #FC322225.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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