6323 Payne Rd, photo 1
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Overview

3 bd3 ba1,596 sqft1 car garageSingle Family
TypeSingle Family
HOANone listed
Built1969
Lot435,600 sqft
Living area1,596 sqft
Price / sqft$310
Garage1 car

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About this home

Ceiling Fans(s)Living Room/Dining Room ComboStorageDryerElectric Water HeaterRangeRefrigeratorWasher

6323 Payne Rd is a 1969-built home in Lawrence Dev CO, Keystone Heights. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,596 square feet of living space. Listed at $495,000 (about $310/sqft), 34 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

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.

The essentials

Built
1969
Price / sqft
$310
On market
35 days
Annual tax
$4,148
Flood zone
X · Low risk
Lot
435,600 sqft
Type
Single Family Residence

At a glance

Single family
Built 1969
1 car garage
10.00 acres
Lot size
1,596 sqft
Living area

Payment

Est. monthly payment
$3,175/mo
Down payment (20%)
$99,000
Property taxes
$346/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1969
Lot
435,600 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
35
Ceiling Fans(s)
Living Room/Dining Room Combo
Storage
Dryer
Electric Water Heater
Range
Refrigerator
Washer
Elementary
Keystone Heights Elementary-CL
Middle
Keystone Heights Junior/Senior High-CL
High
Keystone Heights Junior/Senior High-CL

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$4,148
Parcel #
16-08-23-001719-000-00

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Lawrence Dev CO
County
Clay
MLS Area
32656 - Keystone Heights
Lot Size
435,600 sqft

Price history

Date
Event
Price
9/4/2026
Listed for sale
Source: Stellar MLS #GC543149
$495,000
$310/sqft

Neighborhood

6323 Payne Rd
Keystone Heights, FL, 32656 · 32656 - Keystone Heights

Market insights

Offer Insights

Choose an offer strength

List price: $495,000
$467,500 – $495,000
94.4% – 100% of listTops out right at the list price
80% of listList price
15 of the last 28 home closings in 32656 landed at this number or higher (54%). The median one sat 35 days before it went under contract, and this one is on day 35.

Sample: 28 closed home sales in 32656 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,175/mo
Principal & interest$2,582
Property taxes$346
Insurance$248
Down payment20% · $99,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$495,000

$310 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,596 sq ft

Time on market

35 days

Year built

1969

Monthly payment

About $3,175/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,148 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byHELEN HERSEY REALTYListing agent: Helen HerseyListing data from Stellar MLS, MLS# GC543149.

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