Clay County property record for 7159 State Rd 21, Keystone Heights, FL 32656
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 912 sqft · built 1984 |
| Lot Size | 0.585 acres (25,482 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,000 (Jun 2026) |
| Tax Bill | $1,149 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-08-23-001699-000-00 |
| Primary APN | 16-08-23-001699-000-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 2 Stories |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Logs |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 25,482 sqft (0.585 acres) |
| Lot Dimensions | 277 ft deep x 92 ft wide |
| Porch | Finished/Open Porch |
| Porch Area | 384 sqft |
| Deck Area | 96 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7159 STATE ROAD 21 |
|---|---|
| City | KEYSTONE HEIGHTS |
| State | FL |
| Zip | 32656-7816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 LOCH LOMMOND AS REC OR 4410 PG 1348 |
| Legal Range | 23E |
| Legal Township | 08S |
| Legal Section | 16 |
| Legal Subdivision | LOCH LOMMOND |
| Legal Lot Number | 7 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | KEYSTONE HEIGHTS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 31109 |
7159 State Rd 21 is owned and occupied by an individual who bought it in June 2026.
Source: Clay County records, as of June 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5380 LOCH NESS DR, KEYSTONE HEIGHTS, FL 32656-7934 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 2, 2026 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING |
| Jun 2, 2026 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING |
| Feb 2, 2021 | Personal Representative Deed, Transfer GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES LLC |
| Feb 2, 2021 | Personal Representative Deed, Transfer · FHA Mortgage BBVA USA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2026 · Amount on File |
| Deed Sale | Jun 2, 2026 · Amount on File |
| Prior Sale | Feb 2, 2021 |
| Deed Document Number | 202626666 |
| Deed Book / Page | 5050 / 1979 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jun 2, 2026 |
| Property Address | 7159 STATE ROAD 21, KEYSTONE HEIGHTS, FL 32656-7816 |
| Document Number | 0000026666 |
| Book / Page | 5050 / 1979 |
| Instrument Date | May 27, 2026 |
| Instrument | 202626666 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2026 |
| Title Company | GUARANTEE TITLE, GUARANTY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $168,973.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5380 LOCH NESS DR, KEYSTONE HEIGHTS, FL 32656-7934 |
| Document Number | 0000026667, |
|---|---|
| Date | Jun 2, 2026 |
| Instrument | 202626667 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Jun 2, 2026 |
| Property Address | 7159 STATE ROAD 21, KEYSTONE HEIGHTS, FL 32656-7816 |
| Document Number | 0050501979 |
| Book / Page | 5050 / 1979 |
| Instrument Date | May 27, 2026 |
| Instrument | 202626666 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | GUARANTY LAND TITLE, GUARANTY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $168,973.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5380 LOCH NESS DR, KEYSTONE HEIGHTS, FL 32656-7934 |
| Document Number | 0000026667, |
|---|---|
| Date | Jun 2, 2026 |
| Instrument | 202626667 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Feb 2, 2021 |
| Property Address | 7159 STATE ROAD 21, KEYSTONE HEIGHTS, FL 32656-7816 |
| Document Number | 0044101350 |
| Book / Page | 4410 / 1350 |
| Map Reference | MB 6 PG 32 |
| Instrument Date | Sep 15, 2020 |
| Instrument | 2021006561 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2024 |
| Title Company | GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7159 STATE ROAD 21, KEYSTONE HEIGHTS, FL 32656-7816 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Feb 2, 2021 |
| Property Address | 7159 STATE ROAD 21, KEYSTONE HEIGHTS, FL 32656-7816 |
| Document Number | 0044101348 |
| Book / Page | 4410 / 1348 |
| Map Reference | MB 6 PG 32 |
| Instrument Date | Sep 15, 2020 |
| Instrument | 2021006560 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2023 |
| Title Company | GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $902.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7159 STATE ROAD 21, KEYSTONE HEIGHTS, FL 32656-7816 |
| Document Number | 0044101352 |
|---|---|
| Date | Feb 2, 2021 |
| Instrument | 4410/1352 |
| Name | BBVA USA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 7159 State Rd 21 was $1,149 with a homeowner's exemption, up 5.4% from the year before.
Source: Clay County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,149.00 (+5.41%) Homeowner's exemption | $115,493 | $160,314 Land $18,000 Building $142,314 |
| 2024 | $1,090.00 (-20.96%) | ||
| 2023 | $1,379.00 (+13.13%) Homeowner's exemption | $108,970 (+3%) | $142,953 (+22.92%) Land $18,000 Building $124,953 |
| 2022 | $1,219.00 Homeowner's exemption | $105,797 | $116,298 Land $18,000 Building $98,298 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 7159 State Rd 21 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 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 risk around 7159 State Rd 21 is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 73 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 |
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