531 SE 43rd St, Keystone Heights, FL 32656 Property Records

Bradford County property record for 531 SE 43rd St, Keystone Heights, FL 32656

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,560 sqft · built 1975
Owner	Individual Name on Record
Last Sale	$175,000 (May 2021)
Tax Bill	$2,186 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05939-0-00000`

Property Details

APN / Parcel Number

Primary APN	`05939-0-00000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Building Area	1,560 sqft Heated Area
Gross Area	1,688 sqft
Flooring	Laminate Plank
Interior Walls	Plaster

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	531 SE 43RD ST
City	KEYSTONE HEIGHTS
State	FL
Zip	32656-6253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	24 8S 22 LOT 39 OF KCE REPLAT
Legal Range	22E
Legal Township	08S
Legal Section	24
Legal Subdivision	KCE REP OF PORT
Legal Lot Number	39
Jurisdiction	BRADFORD FL
Township / Civil Division	HAMPTON
Census Block Group	1
Census Block	1005
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
Co-owner	Co-owner on Record
Mailing Address	531 SE 43RD ST, KEYSTONE HEIGHTS, FL 32656-6253
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2021 · Amount on Record
Deed Sale	May 18, 2021 · Amount on Record
Prior Sale	Oct 14, 2016 · Amount on Record
Deed Document Number	202104004678
Deed Book / Page	1903 / 189
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	May 18, 2021
Property Address	531 SE 43RD ST, KEYSTONE HEIGHTS, FL 32656-6253
Document Number	0004004678
Book / Page	1903 / 189
Map Reference	MB 3 PG 51&51A
Instrument Date	Apr 29, 2021
Instrument	202104004678
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	UNKNOWN, RIVER CITY TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	60 JACKSON AVE, PONTE VEDRA BEACH, FL 32082-2807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 SE 43RD ST, KEYSTONE HEIGHTS, FL 32656-6253

Mortgage

Document Number	0001903191
Date	May 18, 2021
Instrument	1903/191

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

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	$2,186.00 (+11.76%) Homeowner's exemption	$163,729 (+2.9%)	$190,863 (+5.86%) Land $32,000 Building $158,863
2024	$1,956.00 (+3.38%) Homeowner's exemption	$159,115 (+3%)	$180,301 (+3.87%) Land $30,000 Building $150,301
2023	$1,892.00 (+6.05%) Homeowner's exemption	$154,481 (+3%)	$173,580 (+15.73%) Land $25,000 Building $148,580
2022	$1,784.00 Homeowner's exemption	$149,982 Land $22,000 Building $127,982	$149,982 Land $22,000 Building $127,982

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 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	0.05% 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 144 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
Starlink Satellite	280 / 30