6985 Gatorbone Rd, Keystone Heights, FL 32656 Property Records

Clay County property record for 6985 Gatorbone Rd, Keystone Heights, FL 32656

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,710 sqft · built 1972
Lot Size	0.949 acres (41,338 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Aug 2020)
Tax Bill	$1,447 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`11-08-23-001306-000-00`

Property Details

APN / Parcel Number

Primary APN	`11-08-23-001306-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,710 sqft Living Area
Gross Area	1,990 sqft
1st Floor Area	1,710 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	41,338 sqft (0.949 acres)
Lot Dimensions	366 ft deep x 113 ft wide
Garage Type	Attached
Garage Area	280 sqft
Porch	Finished/Open Porch
Porch Area	374 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6985 GATORBONE RD
City	KEYSTONE HEIGHTS
State	FL
Zip	32656-8190
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	LOT 19 & N1/2 OF LOT 20 GATORBONE AS REC OR 4345 PG 1374
Legal Range	23E
Legal Township	08S
Legal Section	11
Legal Subdivision	GATORBONE
Legal Lot Number	19,20
Jurisdiction	CLAY FL
Township / Civil Division	KEYSTONE HEIGHTS
Census Block Group	2
Census Block	2014
Census Tract	31110

Owner

Source: Clay County records, as of September 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	6985 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage CAMPUS USA CREDIT UNION
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Aug 25, 2020	Warranty Deed, Transfer · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2020 · Amount on Record
Deed Sale	Aug 25, 2020 · Amount on Record
Prior Sale	Oct 16, 2003 · Amount on Record
Deed Document Number	202043420
Deed Book / Page	4345 / 1374
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Recording Date	Aug 19, 2026
Property Address	6985 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190
Document Number	0000041308
Book / Page	5077 / 2085
Instrument Date	Aug 14, 2026
Instrument	202641308
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6985 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190

Mortgage

Document Number	0000041308,
Date	Aug 19, 2026
Book Page	5077/2085
Instrument	202641308

Lender

Name	CAMPUS USA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6985 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6985 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190

Mortgage

Document Number	0045291042
Date	Oct 29, 2021
Book Page	4529/1042
Instrument	2021069011

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Aug 25, 2020
Property Address	6985 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190
Document Number	0043451374
Book / Page	4345 / 1374
Map Reference	MB 7 PG 44
Instrument Date	Aug 21, 2020
Instrument	2020043420
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	LAKE AREA TITLE SERVICES INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4626 BIRKENHEAD RD, 4626, JACKSONVILLE, FL 32210-4221

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6985 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190

Mortgage

Document Number	0043451376
Date	Aug 25, 2020
Instrument	4345/1376

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$1,447.00 (-12.78%) Homeowner's exemption	$135,031 (+5.99%)	$197,865 (+13.14%) Land $50,000 Building $147,865
2023	$1,659.00 (+11.19%) Homeowner's exemption	$127,404 (+3%)	$174,887 (+17.98%) Land $30,000 Building $144,887
2022	$1,492.00 Homeowner's exemption	$123,694	$148,233 Land $22,000 Building $126,233

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	94.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 89 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	89 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 Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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