$495,000
6323 PAYNE Road, Keystone Heights, FL 32656
Lawrence Dev Co
- Price
- $495,000
- Beds / Baths
- 3 / 3
- Living area
- 1,596 sqft
- Year built
- 1969
- Type
- Residential
- Lot
- 10.18 ac
- Garage
- 1
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 1
- Elementary
- Keystone Heights
- High school
- Keystone Heights
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.
What to check on this one
- Verify roof age and condition; metal roof lifespan typically 40-70 years.
- Get 4-point inspection for 1969 concrete block home; confirm insurer will cover.
- Confirm flood zone via FEMA map; obtain elevation certificate if AE/VE.
- Inspect well and septic systems; verify maintenance records and tank capacity.
- Check for polybutylene or cast-iron plumbing; replace costs if present.
- Verify replat feasibility with Clay County; confirm 10 acres allows 10 units.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $396,000 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of HELEN HERSEY REALTY. Data via realMLS (Northeast Florida MLS), updated Sep 1, 2026, 5:50 PM.
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