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495 SE 44th St, Keystone Heights, FL 32656 Property Records

Bradford County property record for 495 SE 44th St, Keystone Heights, FL 32656

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,577 sqft · built 2003
OwnerIndividual Name on Record
Last Sale$135,100 (Jan 2019)
Tax Bill$1,125 (2025)
Deeds & MortgagesApr 2025 Second Mortgage
Jun 2020 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN05909-0-00000

Property Details

APN / Parcel Number

Primary APN05909-0-00000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,577 sqft Heated Area
Gross Area1,593 sqft
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Garage Area360 sqft
Parking Spaces1 Parking Space
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address495 SE 44TH ST
CityKEYSTONE HEIGHTS
StateFL
Zip32656-6258
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description24 8S 22 LOT 9 OF KCE REPLAT
Legal Range22E
Legal Township08S
Legal Section24
Legal SubdivisionKCE REP OF PORT
Legal Lot Number9
JurisdictionBRADFORD FL
Township / Civil DivisionHAMPTON
Census Block Group1
Census Block1001
Census Tract301

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address495 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6258
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 8, 2025Deed of Trust, Mortgage · Stand-Alone Second Mortgage
RADIANT CU
Jun 8, 2020Deed of Trust, Mortgage · Conventional with PMI
WELLS FARGO BK
Jan 14, 2019Special Warranty Deed, Transfer · Conventional Mortgage
WELLS FARGO BANK NA
Oct 16, 2018Grant Deed, Foreclosure
ATTORNEYS' TITLE SERVICES LLC, ATTORNEYS' TITLE SVCS LLC
Sep 6, 2018Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 14, 2019 · Amount on Record
Deed SaleJan 14, 2019 · Amount on Record
Prior SaleOct 16, 2018
Deed Document Number201904000289
Deed Book / Page1772 / 300
Record UpdatedJun 8, 2026

April 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBRADFORD FL
Property Address495 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6258
Transaction TypeMortgage
Record UpdatedDec 19, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address495 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6258

Mortgage

Document Number0004003085
DateApr 8, 2025
Book Page2143/341
Instrument202504003085
Lender
NameRADIANT CU
TypeCredit Union
AddressGAINESVILLE, FL 32606
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term181 Months
DueMay 1, 2040

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBRADFORD FL
Property Address495 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6258
Document Number0004004023
Transaction TypeMortgage
Record UpdatedSep 30, 2020
Title CompanyMORTGAGE CONNECT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address495 SE 44TH ST KEYSTONE HEIGHTS FL 32656, KEYSTONE HEIGHTS, FL 32656

Mortgage

Document Number0004004023
DateJun 8, 2020
Book Page001846/000169
Instrument4004023
Lender
NameWELLS FARGO BK
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJun 7, 2050

January 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionBRADFORD FL
Recording DateJan 14, 2019
Property Address495 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6258
Document Number0004000289
Book / Page1772 / 300
Map ReferenceMB 3 PG 50&51
Instrument DateJan 8, 2019
Instrument201904000289
Transaction TypeTransfer
Record UpdatedJan 7, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$945.70
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address40 MARIETTA ST NW, 40, ATLANTA, GA 30303-2812

Transferred To (Grantee/Buyer)

NameVerified Name
Address651 SW BIRD AVE, KEYSTONE HEIGHTS, FL 32656-7903

Mortgage

Document Number0004000290
DateJan 14, 2019
Instrument201904000290
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2049

October 2018: Grant Deed, Foreclosure

Document TypeGrant Deed
JurisdictionBRADFORD FL
Recording DateOct 16, 2018
Property Address495 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6258
Document Number0004009139
Book / Page001759 / 000111
Instrument DateOct 1, 2018
Instrument4009139
Transaction TypeForeclosure
Record UpdatedNov 13, 2018
Title CompanyATTORNEYS' TITLE SERVICES LLC, ATTORNEYS' TITLE SVCS LLC

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
InvestorPossibly a Property Investor

September 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionBRADFORD FL
Recording DateSep 6, 2018
Property Address495 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6258
Document Number0004007843
Book / Page001752 / 000563
Instrument DateAug 23, 2018
Instrument4007843
Transaction TypeForeclosure
Record UpdatedOct 5, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$490.70
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address255 S ORANGE AVE #900 ORLANDO FL 328013454, 900, ORLANDO, FL 32801-3454

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyBradford County
Unified School DistrictBradford County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,125.00 (+21.75%) Homeowner's exemption$95,438 (+2.9%)$176,706 (+5.68%) Land $32,000 Building $144,706
2024$924.00 (+4.29%) Homeowner's exemption$92,748 (+3%)$167,214 (+4.16%) Land $30,000 Building $137,214
2023$886.00 (+10.61%) Homeowner's exemption$90,047 (+3%)$160,535 (+15.03%) Land $25,000 Building $135,535
2022$801.00 Homeowner's exemption$87,424$139,556 Land $22,000 Building $117,556

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Nearby Flood Policies10 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 RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemKEYSTONE POSTMASTER GRID
private · serves 5,092 people · EPA ID FL2100610
Water SourceGroundwater
Last State InspectionSep 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 144 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable · Fiber in parts of the area		1,200 / 35
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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