4686 SE 6th Ln, Keystone Heights, FL 32656 Property Records

Bradford County property record for 4686 SE 6th Ln, Keystone Heights, FL 32656

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,352 sqft · built 2007
Lot Size	0.45 acres (19,610 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Dec 2024)
Tax Bill	$6,615 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`05819-0-00920`

Property Details

APN / Parcel Number

Primary APN	`05819-0-00920`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,352 sqft Living Area
Gross Area	3,256 sqft
1st Floor Area	2,352 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	19,610 sqft (0.45 acres)
Garage Type	Attached
Garage Area	609 sqft
Pool Area	288 sqft
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4686 SE 6TH LN
City	KEYSTONE HEIGHTS
State	FL
Zip	32656-6157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	24 8S 22 LOT 20 HIDDEN HILLS UNIT V
Legal Range	22E
Legal Township	08S
Legal Section	24
Legal Subdivision	HIDDEN HILLS UNIT V
Legal Lot Number	20
Legal Unit	5
Jurisdiction	BRADFORD FL
Township / Civil Division	HAMPTON
Census Block Group	1
Census Block	1001
Census Tract	301

Owner

Source: Bradford County records, as of June 16, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	7630 NW 35TH PL, GAINESVILLE, FL 32606-5679
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Nov 10, 2021	Deed of Trust, Mortgage · Line of Credit FLORIDA CU
Dec 10, 2024	Warranty Deed, Transfer · VA Mortgage AFFORDABLE MORTGAGE ADVISORS LLC
Oct 15, 2018	Deed of Trust, Mortgage · Line of Credit COMMUNITY ST BK
Sep 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage SOUTHPOINT FIN'L SVCS
Apr 6, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY ST BK
Mar 6, 2017	Special Warranty Deed, Transfer · Line of Credit COMMUNITY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2024 · Amount on Record
Deed Sale	Dec 10, 2024 · Amount on Record
Prior Sale	Oct 8, 2020 · Amount on Record
Deed Document Number	202411582
Deed Book / Page	2124 / 117
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Recording Date	Jun 1, 2026
Property Address	4686 SE 6TH LN, KEYSTONE HEIGHTS, FL 32656-6157
Document Number	0000004653
Book / Page	2214 / 384
Instrument Date	May 21, 2026
Instrument	20264653
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4686 SE 6TH LN, KEYSTONE HEIGHTS, FL 32656-6157

Mortgage

Document Number	0000004653,
Date	Jun 1, 2026
Book Page	2214/384
Instrument	20264653

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	4686 SE 6TH LN, KEYSTONE HEIGHTS, FL 32656-6157
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0004010834
Date	Nov 10, 2021
Book Page	1935/392
Instrument	202104010834

Lender

Name	FLORIDA CU
Type	Credit Union
Address	GAINESVILLE, FL 32627

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 9, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Dec 10, 2024
Property Address	4686 SE 6TH LN, KEYSTONE HEIGHTS, FL 32656-6157
Document Number	0004011582
Book / Page	2124 / 117
Map Reference	MB 3 PG 69
Instrument Date	Dec 9, 2024
Instrument	202404011582
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	SANTA FE TITLE COMPANY, SANTA FE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4686 SE 6TH LN, KEYSTONE HEIGHTS, FL 32656-6157

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7630 NW 35TH PL, GAINESVILLE, FL 32606-5679

Mortgage

Document Number	0004011583
Date	Dec 10, 2024
Instrument	202404011583

Lender

Name	AFFORDABLE MORTGAGE ADVISORS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	4686 SE 6TH LN, KEYSTONE HEIGHTS, FL 32656-6157
Document Number	0004010390
Instrument Date	Oct 15, 2018
Transaction Type	Mortgage
Record Updated	Dec 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4686 SE 6TH LN KEYSTONE HEIGHTS FL 326566157, KEYSTONE HEIGHTS, FL 32656-6157

Mortgage

Document Number	0004010390
Date	Nov 26, 2018
Book Page	001765/000412
Instrument	4010390

Lender

Name	COMMUNITY ST BK
Type	Bank
Address	STARKE, FL 32091

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	4686 SE 6TH LN, KEYSTONE HEIGHTS, FL 32656-6157
Document Number	0004008669
Instrument Date	Sep 28, 2018
Transaction Type	Mortgage
Record Updated	Nov 1, 2018
Title Company	NCT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4686 SE 6TH LN KEYSTONE HEIGHTS FL 326566157, KEYSTONE HEIGHTS, FL 32656-6157

Mortgage

Document Number	0004008669
Date	Oct 4, 2018
Book Page	001757/000053
Instrument	4008669

Lender

Name	SOUTHPOINT FIN'L SVCS
Type	Funding / Finance Company
Address	ALPHARETTA, GA 30005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 3, 2033

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	4686 SE 6TH LN, KEYSTONE HEIGHTS, FL 32656-6157
Document Number	0004004389
Instrument Date	Apr 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	17500 NE US HIGHWAY 301 WALDO FL 326944613, WALDO, FL 32694-4613

Mortgage

Document Number	0004004389
Date	May 11, 2017
Book Page	001681/000288
Instrument	4004389

Lender

Name	COMMUNITY ST BK
Type	Bank
Address	STARKE, FL 32091

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Mar 6, 2017
Property Address	4686 SE 6TH LN, KEYSTONE HEIGHTS, FL 32656-6157
Document Number	0004001979
Book / Page	1670 / 140
Map Reference	MB3 PG69
Instrument Date	Feb 23, 2017
Instrument	201704001979
Transaction Type	Transfer
Record Updated	Jan 7, 2022
Title Company	SHORE TO SHORE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4425 PONCE DE LEON BLVD # BLVD5TH, 4425, CORAL GABLES, FL 33146-1837

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4686 SE 6TH LN, KEYSTONE HEIGHTS, FL 32656-6157

Mortgage

Document Number	0001670144
Date	Mar 6, 2017
Instrument	1670/144

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Bradford County assessment roll, as of November 26, 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	$6,615.00 (+116.81%)	$404,106 (+77.14%) Land $32,000 Building $372,106	$404,106 (-0.65%) Land $32,000 Building $372,106
2024	$3,051.00 (+3.07%) Homeowner's exemption	$228,129 (+3%)	$406,759 (+6.35%) Land $30,000 Building $376,759
2023	$2,960.00 (+4.59%) Homeowner's exemption	$221,484 (+3%)	$382,479 (+26.39%) Land $25,000 Building $357,479
2022	$2,830.00 Homeowner's exemption	$215,033	$302,621 Land $19,000 Building $283,621

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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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