Keystone Heights, Clay County, Florida Property Taxes
Property Taxes in Keystone Heights, Florida
Median Keystone Heights, Florida effective property tax rate: 0.87%, significantly lower than the national median of 1.02%, and lower than the Florida state median of 1.10%.
Median Keystone Heights, Florida home value: $169,788
Median annual Keystone Heights, Florida tax bill: $1,394, $1,006 lower than the national median property tax bill of $2,400.
How are property taxes in Clay calculated?
Property taxes in Keystone Heights, Florida are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Keystone Heights's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Keystone Heights, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Keystone Heights, Clay County, Florida Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.87%
Estimate Property Tax Bill
$1,477
$1,371
How Does the Keystone Heights Property Tax Calculator Work?
Use this Keystone Heights property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Keystone Heights' median effective tax rate of 0.87% — based on actual property records in Clay County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Keystone Heights' median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Keystone Heights: rates range from 0.87% in 32656 to 0.87% in 32656, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Keystone Heights.
About Keystone Heights Property Taxes
About Property Taxes in Keystone Heights, Clay, Florida
Keystone Heights’ median effective property tax rate of 0.87% is lower than the Florida state median of 1.10% and lower than the national median of 1.02%. This rate reflects the Clay County levy and local taxing districts that shape the assessed value homeowners pay each year.
Property tax rates are not uniform across Keystone Heights. Homeowners in the 32656 ZIP code carry a median effective rate of 0.87%, while the same ZIP also shows a median tax bill of $1,394. That consistency reflects how local tax districts are drawn within Clay County.
Keystone Heights homeowners who believe their assessed value is too high can file a formal appeal with the Property Appraiser before the September 15, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Keystone Heights, Clay County, Florida
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Keystone Heights's effective property tax rate to other cities in Florida and the median property tax rates in Florida and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Keystone Heights Tax Rate
0.87%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Clay County Tax Rate
1.02%
Median Effective Florida Tax Rate
1.10%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Keystone Heights, Clay County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32656 | 0.48% | 0.60% | 0.87% | 1.47% | 1.82% |
Source: Ownwell
Property Tax Assessment Values Across Keystone Heights, Clay County, Florida
When examining property taxes in Keystone Heights, Florida, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Clay County property appraiser estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Clay County, assessment notices are sent in August each year. They'll typically reach your mailbox by the middle of August.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Keystone Heights.
For example, the median home price in Keystone Heights is $169,788, with tax bills ranging significantly across the county. 32656 has the highest median home price at $169,788.
Property Tax Assessment Values Across Keystone Heights, Clay County, Florida
Source: Ownwell
$78,652
$290,874
$503,096
Median Keystone Heights Market Value
$169,788
Median Clay County Market Value
$275,945
Median Florida Market Value
$310,033
Median United States Market Value
$235,294
Property Tax Assessment Values Across Keystone Heights, Clay County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32656 | $52,732 | $100,894 | $169,788 | $251,368 | $356,008 |
Source: Ownwell
Property Tax Bills Across Keystone Heights, Clay County, Florida
Property tax bills in Keystone Heights are based on the assessed value of a home and the local tax rate set by taxing authorities in Clay County. The amount a homeowner owes is determined by multiplying the assessed value by the applicable millage rates, with any exemptions or special assessments also affecting the final bill. Because property values and tax rates can vary, two homes with similar market values may still have different tax bills.
For homeowners in Keystone Heights, the median home price is $169,788, and the median property tax bill is $1,394, which is below the national median property tax bill of $2,400. Tax bills can range widely, with the 25th percentile at $812, the 75th percentile at $2,325, and the 90th percentile at $3,393. These differences show how location, assessed value, and exemptions can shape what homeowners pay each year.
Median Keystone Heights Tax Bill
$1,394
Median Clay County Tax Bill
$2,741
Median Florida Tax Bill
$3,263
Median United States Tax Bill
$2,400
Property Tax Bills Across Keystone Heights, Clay County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 32656 | $568 | $812 | $1,394 | $2,325 | $3,393 |
Source: Ownwell
Don't miss the deadline to petition!
Dates | |
|---|---|
| Property Valuation Date | January 1 |
| Appeal Deadline | September 15 |
| Tax Bill | |
| Issued | November 1 |
Links | |
|---|---|
| Clay Property Appraiser | |
| Website | qpublic.schneidercorp.com |