6995 Gatorbone Rd, Keystone Heights, FL 32656 Property Records

Clay County property record for 6995 Gatorbone Rd, Keystone Heights, FL 32656

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,748 sqft · built 1975
Lot Size	0.726 acres (31,624 sqft)
Owner	Individual Name on File
Tax Bill	$3,100 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`11-08-23-001309-000-00`

Property Details

APN / Parcel Number

Primary APN	`11-08-23-001309-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,748 sqft Living Area
Gross Area	2,331 sqft
1st Floor Area	1,748 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	31,624 sqft (0.726 acres)
Lot Dimensions	422 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	583 sqft
Porch	Finished/Open Porch
Porch Area	45 sqft
Deck Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6995 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	S1/2 OF LOT 21 & N1/2 OF LOT 22 GATORBONE AS REC OR 4692 PG 748
Legal Range	23E
Legal Township	08S
Legal Section	11
Legal Subdivision	GATORBONE
Legal Lot Number	21,22
Jurisdiction	CLAY FL
Township / Civil Division	KEYSTONE HEIGHTS
Census Block Group	2
Census Block	2014
Census Tract	31110

Owner

6995 Gatorbone Rd is owned and occupied by an individual who acquired it in February 2023.

Source: Clay County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	6995 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2023	Warranty Deed, Transfer · VA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Jun 18, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 18, 2020	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2023
Deed Sale	Feb 24, 2023
Prior Sale	Mar 18, 2020 · Amount on File
Deed Document Number	20238532
Deed Book / Page	4692 / 748
Record Updated	Sep 20, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Feb 24, 2023
Property Address	6995 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190
Document Number	0046920748
Book / Page	4692 / 748
Map Reference	MB 7 PG 44
Instrument Date	Feb 21, 2023
Instrument	2023008532
Transaction Type	Transfer
Record Updated	Mar 24, 2023
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1638 MARY BETH DR, MIDDLEBURG, FL 32068-4067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6995 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190

Mortgage

Document Number	0004692750
Date	Feb 24, 2023
Instrument	4692/750

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6995 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190
Transaction Type	Mortgage
Record Updated	Jul 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6995 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190

Mortgage

Document Number	0044710429
Date	Jun 18, 2021
Book Page	4471/429
Instrument	2021037916

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Apr 1, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Mar 18, 2020
Property Address	6995 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190
Document Number	0042900550
Book / Page	4290 / 550
Map Reference	MB 7 PG 44
Instrument Date	Mar 18, 2020
Instrument	2020014710
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	NORTH CENTRAL TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5900 COUNTY ROAD 352, 5900, KEYSTONE HEIGHTS, FL 32656-8179

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6995 GATORBONE RD, KEYSTONE HEIGHTS, FL 32656-8190

Mortgage

Document Number	0042900553
Date	Mar 18, 2020
Instrument	4290/0553

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 6995 Gatorbone Rd was $3,100 with exemptions applied, up 5% from the year before.

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	$3,100.00 (+5.01%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$253,437	$253,724 Land $50,000 Building $203,724
2024	$2,952.00 (+5.92%)
2023	$2,787.00 (+7.65%) Homeowner's exemption	$201,686 (+3%)	$229,352 (+17.13%) Land $30,000 Building $199,352
2022	$2,589.00 Homeowner's exemption	$195,812 Land $22,000 Building $173,812	$195,812 Land $22,000 Building $173,812

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6995 Gatorbone 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	94.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 6995 Gatorbone Rd is moderate, ranking above 59% of the US, with a 0.1% annual chance of 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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