6323 PAYNE ROAD, KEYSTONE HEIGHTS, FL, 32656
Active16 days on marketListed Sep 4, 2026MLS #GC543149
About this home
6323 PAYNE ROAD
Virtually Staged. Rare find and first time on market in 57 years. Beautiful country property on 10 acres in a great neighborhood, close to town. This concrete block home offers 3 bedrooms and 3 bathrooms with a metal roof and plenty of space inside and out. Why you'll love it. This property offers space, functionality, and convenience. Whether you're looking for a private homestead, family compound, or investment opportunity, the acreage flexibility makes this a standout find. Additional pluses RV port 30 x 12, picnic house 12 x 21 with annex 6 x 6, barn 36 x 22 and other sheds. Property is fenced. Per Clay County property can be replatted 1 unit per acre. Buyer must do due diligence...Perfect for generational.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,596
Sqft
10 ac
Lot size
1
Garage
1969
Year built
One
Levels
$310
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.
$3,639 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$3,639/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.
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
$310 vs $167
Days on market
16 vs 59 typical
Where $310/sqft sits among the 30 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
15,630
Median age
40.4
Median income
$73,201
Median home value
$202,900
Avg household
2.74
Households w/ children
2,259
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
$300K → $268K
Keystone Heights median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
16 of 30
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 282% 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 6323 PAYNE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$300,000
6607 WOODLAND DRIVE
3 bd · 2 ba · 1,563 sqft · $192/sqft · 11 DOM
Sold · Mar ’26$275,000
420 SE PALMETTO AVENUE
3 bd · 2 ba · 1,686 sqft · $163/sqft · 96 DOM
Sold · Jun ’26$170,000
6685 WOODLAND DRIVE
3 bd · 2 ba · 1,499 sqft · $113/sqft · 2 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 6323 PAYNE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6323 PAYNE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6323 PAYNE ROAD FAQs
What would the monthly payment be for 6323 PAYNE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,639/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 6323 PAYNE ROAD?+
The most recent tax bill on record (2025) was $4,148. 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 $495,000, this home is listed about 71% above the Keystone Heights median of $290,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6323 PAYNE ROAD?+
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
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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