Clay County property record for 6464 Bernice Rd, Keystone Heights, FL 32656
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 1976 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,116 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 32-08-23-004872-000-00 |
| Primary APN | 32-08-23-004872-000-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| Gross Area | 2,120 sqft |
| 1st Floor Area | 1,500 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 19,994 sqft (0.459 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 215 sqft |
| Storage Building | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6464 BERNICE RD |
|---|---|
| City | KEYSTONE HEIGHTS |
| State | FL |
| Zip | 32656-9335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF SE1/4 AS REC OR 30 PG 135; 1866 PG 1481, 2244 PG 52,4824 PG 1628 |
| Legal Range | 23E |
| Legal Township | 08S |
| Legal Section | 32 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | KEYSTONE HEIGHTS |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 31104 |
6464 Bernice Rd is owned and occupied by two individuals who acquired it in April 2024.
Source: Clay County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6464 BERNICE RD, KEYSTONE HEIGHTS, FL 32656-9335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 9, 2024 |
| Transfer Doc | 0048241628 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 6464 Bernice Rd was $1,116, up 5.4% from the year before.
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,116.00 (+5.38%) | $113,374 | $215,976 Land $21,200 Building $194,776 |
| 2024 | $1,059.00 (-21.5%) | ||
| 2023 | $1,349.00 (+13.36%) Homeowner's exemption | $106,970 (+3%) | $193,321 (+18.21%) Land $21,200 Building $172,121 |
| 2022 | $1,190.00 Homeowner's exemption | $103,855 | $163,536 Land $14,840 Building $148,696 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6464 Bernice Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 risk around 6464 Bernice Rd is moderate, ranking above 67% 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 | Moderate above 67% of the US · above 46% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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