865 SE 51st St, Keystone Heights, FL 32656 Property Records

Bradford County property record for 865 SE 51st St, Keystone Heights, FL 32656

Property Summary

Property Type	Vacant Land
Lot Size	0.459 acres (20,009 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jul 2025)
Tax Bill	$300 (2025)
Deeds & Mortgages	Aug 2024 Construction Loan Jul 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05555-A-01700`

Property Details

APN / Parcel Number

Primary APN	`05555-A-01700`

Exterior

Lot Area	20,009 sqft (0.459 acres)

Location & Zoning

Street Address	865 SE 51ST ST
City	KEYSTONE HEIGHTS
State	FL
Zip	32656-6343
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	13 8S 22 E75 OF LOT 18 BLK A & W32 OF LOT 19 BLK A OF REPLAT OF MT PLEASANT ON SILVER LAKE. PRCL 17
Legal Range	22E
Legal Township	08S
Legal Section	13
Legal Subdivision	MT PLEASANT ON SILVER LAKE
Legal Block	A
Legal Lot Number	19
Jurisdiction	BRADFORD FL
Township / Civil Division	HAMPTON
Census Block Group	1
Census Block	1022
Census Tract	301

Owner

865 SE 51st St, vacant land, is owned and occupied by an individual who bought it in July 2025.

Source: Bradford County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	865 SE 51ST ST, KEYSTONE HEIGHTS, FL 32656-6343
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 14, 2024	Deed of Trust, Mortgage · Construction Mortgage LOAN FUNDER LLC
Jul 1, 2025	Warranty Deed, Transfer · Conventional Mortgage ADVISORS MORTGAGE GROUP LLC
Apr 12, 2022	Correction Deed LAKE AREA TITLE SERVICES INC
Jan 24, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage RONALD HOWSE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	Jan 24, 2022 · Amount on File
Deed Document Number	20255608
Deed Book / Page	2157 / 304
Prior Transfer Date	May 13, 2020
Prior Transfer Doc	0000003565
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	865 SE 51ST ST, KEYSTONE HEIGHTS, FL 32656-6343
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4401 SE 3RD PL, KEYSTONE HEIGHTS, FL 32656-6286

Mortgage

Document Number	0004008297
Date	Aug 14, 2024
Book Page	2106/548
Instrument	202404008297

Lender

Name	LOAN FUNDER LLC
Type	Mortgage Company
Address	NEW YORK, NY 10022

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2054

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Jul 1, 2025
Property Address	865 SE 51ST ST, KEYSTONE HEIGHTS, FL 32656-6343
Document Number	0004005608
Book / Page	2157 / 304
Map Reference	MB 3 PG 20
Instrument Date	Jun 30, 2025
Instrument	202504005608
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	LAKE AREA TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	4401 SE 3RD PL, KEYSTONE HEIGHTS, FL 32656-6286

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 SE 51ST ST, KEYSTONE HEIGHTS, FL 32656-6343

Mortgage

Document Number	0002157307
Date	Jul 1, 2025
Instrument	2157/307

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2055

April 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	BRADFORD FL
Recording Date	Apr 12, 2022
Property Address	865 SE 51ST ST, KEYSTONE HEIGHTS, FL 32656-6343
Document Number	0004003565
Book / Page	1964 / 529
Map Reference	MB 3 PG 20
Instrument Date	Apr 11, 2022
Instrument	202204003565
Record Updated	Dec 19, 2025
Title Company	LAKE AREA TITLE SERVICES INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8140 MEADOWLARK CT, MELROSE, FL 32666-8936

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4401 SE 3RD PL, KEYSTONE HEIGHTS, FL 32656-6286

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Jan 24, 2022
Property Address	865 SE 51ST ST, KEYSTONE HEIGHTS, FL 32656-6343
Document Number	0004000682
Book / Page	1948 / 329
Map Reference	MB 3 PG 20
Instrument Date	Jan 14, 2022
Instrument	202204000682
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	LAKE AREA TITLE SERVICES INC

Transaction

Amount	Amount on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8140 MEADOWLARK CT, MELROSE, FL 32666-8936

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4401 SE 3RD PL, KEYSTONE HEIGHTS, FL 32656-6286

Mortgage

Document Number	0001948333
Date	Jan 24, 2022
Instrument	1948/333

Lender

Name	RONALD HOWSE
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	19 Months
Due	Aug 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 865 SE 51st St was $300, up 37% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Bradford County
Unified School District	Bradford County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$300.00 (+36.99%)	$22,000 (+22.22%) Land $22,000	$22,000 (+22.22%) Land $22,000
2024	$219.00 (+28.07%)	$18,000 (+63.64%) Land $18,000	$18,000 (+63.64%) Land $18,000
2023	$171.00 (-0.58%)	$11,000 (-) Land $11,000	$11,000 (-) Land $11,000
2022	$172.00	$11,000 Land $11,000	$11,000 Land $11,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 865 SE 51st St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 2, 2018 · 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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 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 865 SE 51st St is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 64% 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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