Sold·Closed Jul 3, 2026·15 days on market
6240 Payne Road
Keystone Heights, FL 32656
About this home
Keystone Heights
Beautifully updated 4 bedroom, 3 bath brick home situated on 2.44 acres at the end of a quiet dead-end road, offering privacy and space while still providing modern comfort. With just under 3,000 square feet of heated and cooled living space, this home has been thoughtfully refreshed with new flooring, fresh paint, and updated light fixtures throughout. As you enter the home, you're welcomed by an additional flex space that would make the perfect office or could easily be converted into a 5th bedroom. The kitchen features new countertops, a new sink, double ovens, a new dishwasher, and a walk-in pantry, making it both functional and inviting. The spacious primary suite includes its own private bathroom with a double vanity, walk-in shower, and garden tub. Bedrooms two and three share a Jack and Jill bathroom with a double vanity and tub/shower combination, while the fourth bedroom is located on the opposite side of the home with its own bathroom that also serves as a guest bath.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1996)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,538 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $519,023 | $178,946 | — |
| 2024 | $512,144 | $173,196 | — |
| 2023 | $467,663 | $166,696 | — |
| 2022 | $395,082 | $160,385 | — |
| 2021 | $304,220 | $154,258 | — |
| 2020 | $291,345 | $151,438 | — |
Estimated taxes if purchased at asking price: ~$9,800/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $200/sq ft; this home is listed at $186/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 561 SE Lakeview Drive, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $600,000 | $196 | 5/4 | 3,068 | 365 | 1.5 |
| 628 Bethel Drive, Keystone Heights, FL 32656Listed by EPIQUE REALTY, INC | Jun 2026 | $479,900 | $203 | 4/2 | 2,362 | 1 | 1.5 |
| 7575 Alameda Way, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERY | Apr 2026 | $610,000 | $272 | 4/2.5 | 2,240 | 186 | 1.8 |
| 1339 Chatauqua Way, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $488,500 | $200 | 4/3 | 2,446 | 6 | 2.4 |
| 5641 Silver Sands, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $300,000 | $132 | 5/3 | 2,280 | 20 | 2.5 |
| 5725 Sequoia Road, Keystone Heights, FL 32656Listed by CW REALTY | Aug 2026 | $235,000 | $97 | 5/3 | 2,432 | 49 | 2.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CB ISAAC REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 3, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines