4186 SE 2nd Ave, Keystone Heights, FL 32656 Property Records

Bradford County property record for 4186 SE 2nd Ave, Keystone Heights, FL 32656

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,215 sqft · built 1960
Owner	Individual Name on Record
Last Sale	$225,000 (Aug 2024)
Tax Bill	$2,029 (2025)
Deeds & Mortgages	Jun 2025 Second Mortgage Aug 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05860-0-00000`

Property Details

APN / Parcel Number

Primary APN	`05860-0-00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,215 sqft Heated Area
Gross Area	1,639 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Porch	Open Porch
Deck Area	100 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4186 SE 2ND AVE
City	KEYSTONE HEIGHTS
State	FL
Zip	32656-6209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	24 8S 22 LOT 9 OF BLK 15 OF UNIT 1 OF K C E
Legal Range	22E
Legal Township	08S
Legal Section	24
Legal Subdivision	KEYSTONE CLUB ESTATE
Legal Block	15
Legal Lot Number	9
Legal Unit	1
Jurisdiction	BRADFORD FL
Township / Civil Division	HAMPTON
Census Block Group	1
Census Block	1014
Census Tract	301

Owner

Source: Bradford County records, as of December 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4186 SE 2ND AVE, KEYSTONE HEIGHTS, FL 32656-6209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Aug 21, 2024	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
May 28, 2019	Warranty Deed, Transfer · FHA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2024 · Amount on Record
Deed Sale	Aug 21, 2024 · Amount on Record
Prior Sale	May 28, 2019 · Amount on Record
Deed Document Number	202404008563
Deed Book / Page	2108 / 145
Record Updated	Jun 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	4186 SE 2ND AVE, KEYSTONE HEIGHTS, FL 32656-6209
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4186 SE 2ND AVE, KEYSTONE HEIGHTS, FL 32656-6209

Mortgage

Document Number	0004005562
Date	Jun 30, 2025
Book Page	2157/174
Instrument	202504005562

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2045

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Aug 21, 2024
Property Address	4186 SE 2ND AVE, KEYSTONE HEIGHTS, FL 32656-6209
Document Number	0004008563
Book / Page	2108 / 145
Map Reference	MB 3 PG 9&10
Instrument Date	Aug 12, 2024
Instrument	202404008563
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	LAKE AREA TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17142 N COUNTY ROAD 125, GLEN ST MARY, FL 32040-2759

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4186 SE 2ND AVE, KEYSTONE HEIGHTS, FL 32656-6209

Mortgage

Document Number	0004008564
Date	Aug 21, 2024
Instrument	202404008564

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	May 28, 2019
Property Address	4186 SE 2ND AVE, KEYSTONE HEIGHTS, FL 32656-6209
Document Number	0004004671
Book / Page	001792 / 000162
Instrument Date	May 17, 2019
Instrument	4004671
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	GUARANTY TITLE COMPANY, GUARANTY TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4186 SE 2ND AVE KEYSTONE HEIGHTS FL 326566209, KEYSTONE HEIGHTS, FL 32656-6209

Mortgage

Document Number	4004672
Date	May 28, 2019
Book Page	001792/000164
Instrument	4004672

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2049

Tax Assessment & Valuation

Source: Bradford County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bradford County
Unified School District	Bradford County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,029.00 (+74.61%) Homeowner's exemption	$153,593 (+42.18%) Land $32,000 Building $121,593	$153,593 (+1.53%) Land $32,000 Building $121,593
2024	$1,162.00 (+4.03%) Homeowner's exemption	$108,025 (+3%)	$151,273 (+4.42%) Land $30,000 Building $121,273
2023	$1,117.00 (+8.76%) Homeowner's exemption	$104,879 (+3%)	$144,876 (+15.62%) Land $25,000 Building $119,876
2022	$1,027.00 Homeowner's exemption	$101,824	$125,300 Land $22,000 Building $103,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 2, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KEYSTONE POSTMASTER GRID private · serves 5,092 people · EPA ID FL2100610
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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