7173 W R THOMAS ROAD, KEYSTONE HEIGHTS, FL, 32656
Active259 days on marketListed Nov 18, 2025MLS #OM713758
About this home
7173 W R THOMAS ROAD
BONUS FOR BUYERS: The seller is now including an additional 7.95-acre tract at NO EXTRA COST, bringing the total property size to 21.66 acres (13.71-acre lakefront parcel plus the additional 7.95 acreage). Discover 21.66 breathtaking wooded acres with stunning lakefront views of Hall Lake. Towering magnolias and mature hardwoods create a serene, southern plantation-like setting—right here in Florida. Conveniently located near the intersection of County Road 214 and County Road 315, the property offers an easy commute to Keystone Heights, Palatka, Middleburg, Orange Park and Jacksonville. The existing block home has had some updates but will require repairs in order to occupy. Renovate the current structure or choose to demolish and rebuild—NO IMPACT FEES apply either way. The home/property is being sold AS-IS and includes an easement providing access to a neighboring 1-acre vacant wooded lot on Hall Lake. Agriculture Exempt status may be possible if Clay County criteria are met. This unique lakefront estate offers remarkable natural beauty, privacy, and endless potential—with a total of 21.66 acres, it presents an exceptional opportunity to create your ideal family homestead.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,592
Sqft
21.66 ac
Lot size
1965
Year built
One
Levels
$375
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.
$4,049 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,049/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
$375 vs $170
Days on market
259 vs 61 typical
Where $375/sqft sits among the 28 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
The numbers that matter
The Keystone Heights market
$300K → $322K
Keystone Heights median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
16 of 28
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 272% 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 7173 W R THOMAS ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$259,900
4722 GADARA ROAD
3 bd · 2 ba · 1,512 sqft · $172/sqft · 0 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 7173 W R THOMAS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7173 W R THOMAS ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
7173 W R THOMAS ROAD FAQs
What would the monthly payment be for 7173 W R THOMAS ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,049/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 7173 W R THOMAS ROAD?+
The most recent tax bill on record (2024) was $5,321. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 7173 W R THOMAS ROAD?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Keystone Heights?+
At $597,000, this home is listed about 109% above the Keystone Heights median of $285,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$597,000 runs 272% above the KEYSTONE HEIGHTS 32656 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
259 days on market against a Keystone Heights median of 61 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE · Kay Edwards. MLS #OM713758.
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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