6504 Bernice Rd, Keystone Heights, FL 32656 Property Records

Clay County property record for 6504 Bernice Rd, Keystone Heights, FL 32656

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,646 sqft · built 1971
Lot Size	1.28 acres (55,931 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Dec 2018)
Tax Bill	$1,047 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-08-23-004876-001-00`

Property Details

APN / Parcel Number

Primary APN	`32-08-23-004876-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,646 sqft Heated Area
Gross Area	2,330 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	55,931 sqft (1.28 acres)
Lot Dimensions	636 ft deep x 88 ft wide
Garage Area	648 sqft
Porch	Porch
Porch Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	6504 BERNICE RD
City	KEYSTONE HEIGHTS
State	FL
Zip	32656-9335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF SW1/4 S32T8R23 AS REC OR 4150 PG 897
Legal Range	23
Legal Township	08
Legal Section	32
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6504 BERNICE RD, KEYSTONE HEIGHTS, FL 32656-9335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 18, 2018	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2018 · Amount on Record
Deed Sale	Dec 18, 2018 · Amount on Record
Deed Document Number	0004150897
Deed Book / Page	4150 / 897
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6504 BERNICE RD, KEYSTONE HEIGHTS, FL 32656-9335
Document Number	0042851551
Instrument Date	Feb 28, 2020
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6504 BERNICE RD KEYSTONE HEIGHTS FL 326569335, KEYSTONE HEIGHTS, FL 32656-9335

Mortgage

Document Number	0042851551
Date	Mar 5, 2020
Book Page	004285/001551
Instrument	12013

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 4, 2040

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 18, 2018
Property Address	6504 BERNICE RD, KEYSTONE HEIGHTS, FL 32656-9335
Document Number	0041500897
Book / Page	004150 / 000897
Instrument Date	Dec 18, 2018
Instrument	65516
Transaction Type	Transfer
Record Updated	Jan 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6504 BERNICE RD KEYSTONE HEIGHTS FL 326569335, KEYSTONE HEIGHTS, FL 32656-9335

Mortgage

Document Number	41500900
Date	Dec 18, 2018
Book Page	004150/000900
Instrument	65517

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 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	$1,047.00 (-26.63%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$118,812 (+5.99%)	$236,725 (+11.09%) Land $21,534 Building $215,191
2023	$1,427.00 (-47.36%) Homeowner's exemption	$112,101 (-38.03%)	$213,086 (+17.8%) Land $21,534 Building $191,552
2022	$2,711.00	$180,882 Land $15,154 Building $165,728	$180,882 Land $15,154 Building $165,728

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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 66% of the US · above 44% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Windstream.

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