5537 Smith Dr, Keystone Heights, FL 32656 Property Records

Clay County property record for 5537 Smith Dr, Keystone Heights, FL 32656

Property Summary

Property Type	Mobile Home
Details	5 bd · 3 ba · 2,052 sqft · built 2023
Lot Size	1.01 acres (44,213 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Jun 2024)
Tax Bill	$3,115 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jun 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-08-23-001437-864-88`

Property Details

APN / Parcel Number

Primary APN	`13-08-23-001437-864-88`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,052 sqft Living Area
1st Floor Area	2,052 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Mobile Home
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	44,213 sqft (1.01 acres)
Lot Dimensions	280 ft deep x 158 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5537 SMITH DR
City	KEYSTONE HEIGHTS
State	FL
Zip	32656-8308
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AR
Legal Description	LOT 5 BLK 18 BIG TREE LAKES SEC C@ S/D AS REC OR 4829 PG 165
Legal Range	23E
Legal Township	08S
Legal Section	13
Legal Subdivision	BIG TREE LAKES
Legal Block	18
Legal Lot Number	5
Jurisdiction	CLAY FL
Township / Civil Division	KEYSTONE HEIGHTS
Census Block Group	2
Census Block	2034
Census Tract	31110

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	5537 SMITH DR, KEYSTONE HEIGHTS, FL 32656-8308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Deed of Trust, Mortgage · Balloon Mortgage DHC PRIVATE LENDING LLC
Jun 11, 2024	Special Warranty Deed, Transfer · Conventional Mortgage HUNT MORTGAGE
Aug 15, 2023	Correction Deed
Aug 8, 2023	Special Warranty Deed, Transfer
May 17, 2023	Warranty Deed, Transfer ADAMS CAMERON TITLE SERVICES, ADAMS CAMERON TITLE SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2024 · Amount on Record
Deed Sale	Jun 11, 2024 · Amount on Record
Prior Sale	May 17, 2023 · Amount on Record
Deed Document Number	202427144
Deed Book / Page	4829 / 165
Prior Transfer Date	Aug 4, 2023
Prior Transfer Doc	0047480868
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	5537 SMITH DR, KEYSTONE HEIGHTS, FL 32656-8308
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 CENTRE RD 403, 403, WILMINGTON, DE 19805-1270
Investor	Possibly a Property Investor

Mortgage

Document Number	0047620403
Date	Oct 2, 2023
Book Page	4762/403
Instrument	2023049399

Lender

Name	DHC PRIVATE LENDING LLC
Type	Non-Lending Institution
Address	SAINT JOHNS, FL 32259

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

June 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jun 11, 2024
Property Address	5537 SMITH DR, KEYSTONE HEIGHTS, FL 32656-8308
Document Number	0048290165
Book / Page	4829 / 165
Map Reference	MB 749 PG 418
Instrument Date	Jun 6, 2024
Instrument	2024027144
Transaction Type	Transfer
Record Updated	Dec 19, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1013 CENTRE RD STE 403, 403, WILMINGTON, DE 19805-1270

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5537 SMITH DR, KEYSTONE HEIGHTS, FL 32656-8308

Mortgage

Document Number	0004829167
Date	Jun 11, 2024
Instrument	4829/167

Lender

Name	HUNT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2054

August 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	CLAY FL
Recording Date	Aug 15, 2023
Property Address	5537 SMITH DR, KEYSTONE HEIGHTS, FL 32656-8308
Document Number	0047480868
Book / Page	4748 / 868
Map Reference	MB 749 PG 418
Instrument Date	Aug 4, 2023
Instrument	2023041233
Record Updated	Dec 19, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4471 NW 36TH ST # ST225, ST225, MIAMI SPRINGS, FL 33166-7285

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 CENTRE RD STE 403A, 403A, WILMINGTON, DE 19805-1270
Investor	Possibly a Property Investor

August 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 8, 2023
Property Address	5537 SMITH DR, KEYSTONE HEIGHTS, FL 32656-8308
Document Number	0047452158
Book / Page	4745 / 2158
Map Reference	MB 749 PG 418
Instrument Date	Aug 4, 2023
Instrument	2023039741
Transaction Type	Transfer
Record Updated	Dec 19, 2025

Transaction

Amount	Amount Recorded
Tax	$122.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4471 NW 36TH ST # ST225, ST225, MIAMI SPRINGS, FL 33166-7285

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 CENTRE RD STE 403A, 403A, WILMINGTON, DE 19805-1270

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	May 17, 2023
Property Address	5537 SMITH DR, KEYSTONE HEIGHTS, FL 32656-8308
Document Number	0047210370
Book / Page	4721 / 370
Map Reference	MB 749 PG 418
Instrument Date	May 16, 2023
Instrument	2023024462
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	ADAMS CAMERON TITLE SERVICES, ADAMS CAMERON TITLE SVCS INC

Transaction

Amount	Amount Recorded
Tax	$49.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12212 WOODVIEW DR, JACKSONVILLE, FL 32246-5201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4780 NW 102ND AVE APT 103, 103, DORAL, FL 33178-2263

Tax Assessment & Valuation

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	$3,115.00 (+1,161.13%)	$254,391 (+1,489.94%) Land $23,000 Building $231,391	$254,391 (+1,489.94%) Land $23,000 Building $231,391
2024	$247.00 (+32.09%)
2023	$187.00 (+38.52%)	$16,000 (+77.78%) Land $16,000	$16,000 (+77.78%) Land $16,000
2022	$135.00	$9,000 Land $9,000	$9,000 Land $9,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record 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

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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