6428 Baker Rd, Keystone Heights, FL 32656 Property Records

Clay County property record for 6428 Baker Rd, Keystone Heights, FL 32656

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,516 sqft · built 2006
Lot Size	0.458 acres (19,994 sqft)
Owner	Individual Name on File
Last Sale	$186,000 (Oct 2018)
Tax Bill	$2,144 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`32-08-23-004852-021-00`

Property Details

APN / Parcel Number

Primary APN	`32-08-23-004852-021-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,516 sqft Heated Area
Gross Area	2,148 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,994 sqft (0.458 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Area	422 sqft
Porch	Porch
Porch Area	60 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	6428 BAKER RD
City	KEYSTONE HEIGHTS
State	FL
Zip	32656-8899
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 OF PRCL A GENEVA POINTSOUTH UNREC AS REC O R 4136 PG658
Legal Range	23
Legal Township	08
Legal Section	32
Legal Subdivision	GENEVA POINT SOUTH
Legal Lot Number	28
Jurisdiction	CLAY FL
Township / Civil Division	KEYSTONE HEIGHTS
Census Block Group	2
Census Block	2003
Census Tract	31104

Owner

Source: Clay County records, as of December 18, 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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	6428 BAKER RD, KEYSTONE HEIGHTS, FL 32656-8899
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 29, 2018	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on File
Deed Sale	Oct 29, 2018 · Amount on File
Prior Sale	Aug 29, 2013 · Amount on File
Deed Document Number	0004136658
Deed Book / Page	4136 / 658
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6428 BAKER RD, KEYSTONE HEIGHTS, FL 32656-8899
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6428 BAKER RD, KEYSTONE HEIGHTS, FL 32656-8899

Mortgage

Document Number	0045571652
Date	Jan 11, 2022
Book Page	4557/1652
Instrument	2022002314

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 29, 2018
Property Address	6428 BAKER RD, KEYSTONE HEIGHTS, FL 32656-8899
Document Number	0041360658
Book / Page	4136 / 0658
Instrument Date	Oct 29, 2018
Instrument	2018056670
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6428 BAKER RD, 6428, KEYSTONE HEIGHTS, FL 32656-8899

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7533 GRAND MESA CIR, KEYSTONE HEIGHTS, FL 32656-8534

Mortgage

Document Number	2018056671
Date	Oct 29, 2018
Instrument	2018056671

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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	$2,144.00 (-7.35%) Homeowner's exemption	$180,730 (+5.99%)	$290,460 (+10.65%) Land $18,000 Building $272,460
2023	$2,314.00 (+8.69%) Homeowner's exemption	$170,522 (+3%)	$262,493 (+18.17%) Land $18,000 Building $244,493
2022	$2,129.00 Homeowner's exemption	$165,556	$222,138 Land $18,000 Building $204,138

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 July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	107.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 35 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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