6851 Apache Jct, Keystone Heights, FL 32656 Property Records

Clay County property record for 6851 Apache Jct, Keystone Heights, FL 32656

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,936 sqft · built 2001
Lot Size	4.52 acres (197,283 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,080 (2023)
Deeds & Mortgages	Nov 2025 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-08-23-000897-001-28`

Property Details

APN / Parcel Number

Primary APN	`07-08-23-000897-001-28`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,936 sqft Living Area
Gross Area	2,587 sqft
1st Floor Area	1,936 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	197,283 sqft (4.52 acres)
Garage Type	Attached
Garage Area	651 sqft

Exterior Amenities

Pool Area	648 sqft
Porch	Finished/Open Porch
Porch Area	332 sqft
Storage Building	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6851 APACHE JCT
City	KEYSTONE HEIGHTS
State	FL
Zip	32656-7626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	PT SW1/4 OF NW1/4 S7T8R23 A/K/A LOT 47 & PT OF LOT 48 CRYSTAL LAKEVIEW ESTATES@ AS RE
Legal Range	23E
Legal Township	08S
Legal Section	07
Legal Subdivision	CRYSTAL LAKEVIEW ESTATES
Legal Lot Number	47,48
Jurisdiction	CLAY FL
Township / Civil Division	KEYSTONE HEIGHTS
Census Block Group	1
Census Block	1004
Census Tract	31108

Owner

Source: Clay County records, as of December 3, 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	LOWRY CIR, LAS VEGAS, NV 89115
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Dec 28, 2022	Warranty Deed, Transfer · VA Mortgage APPROVED MORTGAGE SOURCE LLC
Feb 27, 2018	Deed of Trust, Mortgage · VA Mortgage BBMC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2022
Deed Sale	Dec 28, 2022
Prior Sale	Dec 9, 2009 · Amount on Record
Deed Document Number	202274017
Deed Book / Page	4677 / 1520
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6851 APACHE JCT, KEYSTONE HEIGHTS, FL 32656-7626
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6851 APACHE JCT, KEYSTONE HEIGHTS, FL 32656-7626

Mortgage

Document Number	0049871624
Date	Nov 13, 2025
Book Page	4987/1624
Instrument	2025053733

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Dec 28, 2022
Property Address	6851 APACHE JCT, KEYSTONE HEIGHTS, FL 32656-7626
Document Number	0046771520
Book / Page	4677 / 1520
Instrument Date	Dec 5, 2022
Instrument	2022074017
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,129.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	329 TROUT RUN RD, WAITEVILLE, WV 24984-8001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	LOR CIRCLE, LAS VEGAS, NV 89115

Mortgage

Document Number	0046771522
Date	Dec 28, 2022
Instrument	4677/1522

Lender

Name	APPROVED MORTGAGE SOURCE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6851 APACHE JCT, KEYSTONE HEIGHTS, FL 32656-7626
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040590618
Date	Feb 27, 2018
Book Page	4059/0618
Instrument	2018010070

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency
Address	LOMBARD, IL 60148

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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	Veteran's exemption	$443,639 (+5.99%)	$470,469 (+12.4%) Land $54,226 Building $416,243
2023	$6,080.00 (+165.62%) Homeowner's exemption	$418,580 (+131.11%) Land $45,228 Building $373,352	$418,580 (+21.5%) Land $45,228 Building $373,352
2022	$2,289.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$181,114	$344,511 Land $31,643 Building $312,868

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 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Mar 1998 · Severe Storms, High Winds, Tornadoes, And Flooding

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 56% of the US · lower than 71% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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