6400 AMHERST AVENUE, KEYSTONE HEIGHTS, FL, 32656
Active9 days on marketListed Oct 29, 2026MLS #GC544453
About this home
6400 AMHERST AVENUE
Fantastic opportunity to own over a half-acre lot in HighRidge Estates! Conveniently located just off a paved road in a growing neighborhood with new homes being built nearby. Ideal setting for a site-built dream home or a manufactured home. Fencing on three sides and current survey on file. Also, added three driveways to the property. Easy commute to Gainesville, Jacksonville and Palatka. Bike trail from Palatka to Lake Butler close by.
Facts & features
The home at a glance
0.69 ac
Lot size
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.
$350 /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
$350/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.
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)
Median sold price, Keystone Heights, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 81% below the KEYSTONE HEIGHTS 32656 median. See the full Keystone Heights market guide →
Paper trail
This home's history
Reality check
What actually sold near 6400 AMHERST AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$28,504
7202 NOTRE DAME STREET · same community
3 bd · 2 ba · 1,056 sqft · $27/sqft · 58 DOM
Sold · Sep ’26$280,000
1462 ADMIRAL NIMITZ AVE · same community
3 bd · 2 ba · 1,119 sqft · $250/sqft · 33 DOM
Sold · Feb ’26$123,000
6306 BAYLOR AVENUE · same community
2 bd · 2 ba · 1,171 sqft · $105/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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 6400 AMHERST AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6400 AMHERST AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6400 AMHERST AVENUE FAQs
What would the monthly payment be for 6400 AMHERST AVENUE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $350/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 6400 AMHERST AVENUE?+
The most recent tax bill on record (2025) was $92. 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 $25,000, this home is listed about 91% 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 6400 AMHERST AVENUE?+
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.
Never miss a listing
New Keystone Heights homes, in your inbox
Like 6400 AMHERST AVENUE but not quite? A daily digest of every new listing in Keystone Heights — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Zack to ping you on any price or status change →