4952 M Lake Rd, Keystone Heights, FL 32656 Property Records

Clay County property record for 4952 M Lake Rd, Keystone Heights, FL 32656

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,280 sqft · built 2021
Lot Size	1.51 acres (65,776 sqft)
Owner	Individual Name on File
Tax Bill	$4,811 (2025)
Deeds & Mortgages	Feb 2024 Transfer Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-08-24-007026-002-62`

Property Details

APN / Parcel Number

Primary APN	`08-08-24-007026-002-62`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,280 sqft Living Area
1st Floor Area	2,280 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Mobile Home
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	65,776 sqft (1.51 acres)
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic

Location & Zoning

Street Address	4952 M LAKE RD
City	KEYSTONE HEIGHTS
State	FL
Zip	32656-7767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT TRACT 3B M LAKE ESTATES AS REC OR 4433 PG 1736, 4758 PG 108 & 4796 PG 1154
Legal Range	24E
Legal Township	08S
Legal Section	08
Legal Subdivision	LAKE ESTATES
Legal Tract	3B
Jurisdiction	CLAY FL
Township / Civil Division	KEYSTONE HEIGHTS
Census Block Group	1
Census Block	1050
Census Tract	31105

Owner

4952 M Lake Rd is owned and occupied by an individual who acquired it in February 2024.

Source: Clay County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	4952 M LAKE RD, KEYSTONE HEIGHTS, FL 32656-7767
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2024	Intrafamily Transfer, Transfer
Mar 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Mar 24, 2021	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 14, 2024
Transfer Doc	0047961154
Record Updated	Jun 8, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY FL
Recording Date	Feb 21, 2024
Property Address	4952 M LAKE RD, KEYSTONE HEIGHTS, FL 32656-7767
Document Number	0047961154
Book / Page	4796 / 1154
Instrument Date	Feb 14, 2024
Instrument	2024007922
Transaction Type	Transfer
Record Updated	Mar 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2119 INDIAN CREEK RD, BRIGHTON, TN 38011-6417

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4952 M LAKE RD, KEYSTONE HEIGHTS, FL 32656-7767

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4952 M LAKE RD, KEYSTONE HEIGHTS, FL 32656-7767
Transaction Type	Mortgage
Record Updated	Jan 24, 2023
Title Company	NAVY FEDERAL TITE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4952 M LAKE RD, KEYSTONE HEIGHTS, FL 32656-7767

Mortgage

Document Number	0045871594
Date	Mar 24, 2022
Book Page	4587/1594
Instrument	2022019243

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Mar 24, 2021
Property Address	4952 M LAKE RD, KEYSTONE HEIGHTS, FL 32656-7767
Document Number	0044331736
Book / Page	4433 / 1736
Instrument Date	Mar 12, 2021
Instrument	2021018158
Transaction Type	Transfer
Record Updated	Jan 24, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4950 M LAKE RD, KEYSTONE HEIGHTS, FL 32656-7767

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4950 M LAKE RD, KEYSTONE HEIGHTS, FL 32656-7767

Tax Assessment & Valuation

The 2025 property tax bill for 4952 M Lake Rd was $4,811, up 10.4% from the year before.

Source: Clay County assessment roll, as of December 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,811.00 (+10.37%)	$405,854 Land $27,096 Building $378,758	$405,854 Land $27,096 Building $378,758
2024	$4,359.00 (+16.46%)
2023	$3,743.00 (+29.74%)	$247,936 (+30.76%) Land $18,098 Building $229,838	$247,936 (+30.76%) Land $18,098 Building $229,838
2022	$2,885.00	$189,606 Land $15,058 Building $174,548	$189,606 Land $15,058 Building $174,548

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

Flood

FEMA maps place 4952 M Lake Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · 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 File median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 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

Wildfire risk around 4952 M Lake Rd is high, ranking above 70% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	0.2% 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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