5517 Smith Dr, Keystone Heights, FL 32656 Property Records

Clay County property record for 5517 Smith Dr, Keystone Heights, FL 32656

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,144 sqft · built 2002
Lot Size	1.03 acres (45,273 sqft)
Owner	Individual Name on File
Last Sale	$87,000 (Aug 2006)
Tax Bill	$433 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Apr 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`13-08-23-001437-864-99`

Property Details

APN / Parcel Number

Primary APN	`13-08-23-001437-864-99`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,144 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	45,273 sqft (1.03 acres)
Deck Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic

Location & Zoning

Street Address	5517 SMITH DR
City	KEYSTONE HEIGHTS
State	FL
Zip	32656-8307
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AR
Legal Description	LOT 7 BLK 19 BIG TREE LAKES SEC C UNREC S/D O R 2778 PG 1114
Legal Range	23
Legal Township	08
Legal Section	13
Legal Subdivision	BIG TREE LAKES
Legal Block	19
Legal Lot Number	7
Jurisdiction	CLAY FL
Township / Civil Division	KEYSTONE HEIGHTS
Census Block Group	2
Census Block	2034
Census Tract	31110

Owner

5517 Smith Dr, a mobile home, is owned and occupied by an individual who bought it in August 2006.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5517 SMITH DR, KEYSTONE HEIGHTS, FL 32656-8307
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
Jan 25, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Apr 10, 2018	Loan Modification, Mortgage · VA Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2006 · Amount on File
Deed Sale	Aug 22, 2006 · Amount on File
Prior Sale	Jul 24, 2002 · Amount on File
Deed Document Number	2006058744
Deed Book / Page	2778 / 1114
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	5517 SMITH DR, KEYSTONE HEIGHTS, FL 32656-8307
Transaction Type	Mortgage
Record Updated	Mar 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5517 SMITH DR, KEYSTONE HEIGHTS, FL 32656-8307

Mortgage

Document Number	0046841536
Date	Jan 25, 2023
Book Page	4684/1536
Instrument	2023003699

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	339 Months
Due	Apr 1, 2051

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY FL
Property Address	5517 SMITH DR, KEYSTONE HEIGHTS, FL 32656-8307
Document Number	0040800156
Instrument Date	Apr 10, 2018
Transaction Type	Mortgage
Record Updated	May 14, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5517 SMITH DR KEYSTONE HEIGHTS FL 326568307, KEYSTONE HEIGHTS, FL 32656-8307

Mortgage

Document Number	0040800156
Date	May 2, 2018
Book Page	004080/000156
Instrument	22475

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Interest

Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 5517 Smith Dr was $433 with a homeowner's exemption.

Source: Clay County assessment roll, as of July 1, 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	$433.00 Homeowner's exemption	$58,321	$154,264 Land $23,000 Building $131,264
2023	$735.00 (+20.1%) Homeowner's exemption	$55,028 (+3%)	$137,401 (+34.29%) Land $16,000 Building $121,401
2022	$612.00 Homeowner's exemption	$53,426	$102,316 Land $9,000 Building $93,316

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

Flood

FEMA maps place 5517 Smith Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 89 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	89 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 5517 Smith Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

May also be available: AT&T.

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