I completely agree with the person above paying it off will decrease points and I wouldn't recommend it at all! You also want to keep your AAoA's higher and if you remove it that will affect that also.
I agree, keep it open.
If you need the extra $176 to qualify for a mortgage, a lender can set it up so that you have to pay the account off at closing. This way you'll have your mortgage rate locked in & your mortgage loan closed before there's any impact on your credit scores from closing that account.