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653 SE 44th St, Keystone Heights, FL 32656 Property Records

Bradford County property record for 653 SE 44th St, Keystone Heights, FL 32656

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,230 sqft · built 2019
Lot Size0.371 acres (16,157 sqft)
Owner2 Individual Names on Record
Last Sale$274,900 (Mar 2023)
Tax Bill$2,271 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Mar 2023 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN05918-0-00000

Property Details

APN / Parcel Number

Primary APN05918-0-00000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,230 sqft Living Area
Gross Area1,894 sqft
1st Floor Area1,230 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialStone
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area16,157 sqft (0.371 acres)
Garage TypeAttached
Garage Area400 sqft

Exterior Amenities

PorchFinished/Open Porch
Patio Area96 sqft
Shed1 Shed
Shed Area240 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address653 SE 44TH ST
CityKEYSTONE HEIGHTS
StateFL
Zip32656-6259
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description24 8S 22 LOT 18 OF KCE REPLAT
Legal Range22E
Legal Township08S
Legal Section24
Legal SubdivisionKCE REPLAT OF PORT
Legal Lot Number18
JurisdictionBRADFORD FL
Township / Civil DivisionHAMPTON
Census Block Group1
Census Block1001
Census Tract301

Owner

Source: Bradford County records, as of June 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address653 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6259
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 21, 2026Warranty Deed, Transfer · FHA Mortgage
HOME MORTGAGE CORPORATION
Mar 6, 2023Warranty Deed, Transfer · VA Mortgage
CMG MORTGAGE INC
Aug 19, 2019Correction Deed
SONSHINE TITLE SERVICES INC
Oct 31, 2018Warranty Deed, Transfer
SONSHINE TITLE SERVICES INC, SONSHINE TITLE SVCS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 6, 2023 · Amount on Record
Deed SaleMar 6, 2023 · Amount on Record
Prior SaleAug 19, 2019 · Amount on Record
Deed Document Number20231801
Deed Book / Page2014 / 305
Record UpdatedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBRADFORD FL
Recording DateJul 21, 2026
Property Address653 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6259
Document Number0000006391
Book / Page2224 / 21
Instrument DateJul 15, 2026
Instrument20266391
Transaction TypeTransfer
Record UpdatedAug 4, 2026
Title CompanyWATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$208,565.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address653 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6259

Mortgage

Document Number0000006392,
DateJul 21, 2026
Instrument20266392
Lender
NameHOME MORTGAGE CORPORATION
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate6.48%
Max Rate-1%

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBRADFORD FL
Recording DateMar 6, 2023
Property Address653 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6259
Document Number0004001801
Book / Page2014 / 305
Map ReferenceMB 3 PG 51&51A
Instrument DateFeb 28, 2023
Instrument202304001801
Transaction TypeTransfer
Record UpdatedDec 19, 2025
Title CompanyTITLE AMERICA RE CLOSINGS INC, TITLE AMERICA RE CLOSINGS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,924.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4550 ALAN LAKE RD, KEYSTONE HEIGHTS, FL 32656-8297

Transferred To (Grantee/Buyer)

NameVerified Name
Address653 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6259

Mortgage

Document Number0002014307
DateMar 6, 2023
Instrument2014/307
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2053

August 2019: Correction Deed

Document TypeCorrection Deed
JurisdictionBRADFORD FL
Recording DateAug 19, 2019
Property Address653 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6259
Document Number0004007223
Book / Page1805 / 034
Map ReferenceMB 3 PG 50&51
Instrument DateAug 16, 2019
Instrument201904007223
Record UpdatedJan 7, 2022
Title CompanySONSHINE TITLE SERVICES INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address655 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6259

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBRADFORD FL
Recording DateOct 31, 2018
Property Address653 SE 44TH ST, KEYSTONE HEIGHTS, FL 32656-6259
Document Number0004009750
Book / Page001762 / 000361
Instrument DateOct 26, 2018
Instrument4009750
Transaction TypeTransfer
Record UpdatedNov 21, 2018
Title CompanySONSHINE TITLE SERVICES INC, SONSHINE TITLE SVCS INC

Transaction

AmountAmount Recorded
Tax$203.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6920 WINTERBERRY CT KEYSTONE HEIGHTS FL 326568672, KEYSTONE HEIGHTS, FL 32656-8672

Tax Assessment & Valuation

Source: Bradford County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyBradford County
Unified School DistrictBradford County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,271.00 (+11.43%) Homeowner's exemption Veteran's exemption$173,385 (+2.9%)$235,643 (+6.68%) Land $32,000 Building $203,643
2024$2,038.00 (+257.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$168,499 (+25.45%)$220,895 (+9.17%) Land $30,000 Building $190,895
2023$570.00 (-61.69%) Homeowner's exemption Veteran's exemption$134,318 (+3%)$202,334 (+21.53%) Land $25,000 Building $177,334
2022$1,488.00 Homeowner's exemption$130,406$166,495 Land $22,000 Building $144,495

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 2, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Nearby Flood Policies10 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 RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.05% annual chance
ExposureDirect
burnable vegetation

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 SystemKEYSTONE POSTMASTER GRID
private · serves 5,092 people · EPA ID FL2100610
Water SourceGroundwater
Last State InspectionSep 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 144 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable · Fiber in parts of the area		1,200 / 35
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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