1020 Spinaker Ln, Saint Johns, FL 32259 Property Records

St. Johns County property record for 1020 Spinaker Ln, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,450 sqft · built 1987
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$407,000 (Nov 2017)
Tax Bill	$4,624 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`002701-0540`

Property Details

APN / Parcel Number

Primary APN	`002701-0540`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,450 sqft Living Area
Gross Area	3,026 sqft
1st Floor Area	2,450 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	406 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1020 SPINAKER LN
City	SAINT JOHNS
State	FL
Zip	32259-9037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	15/93-95 BAYSIDE LOT 54 OR3130/1581 &3184/446(C/D) 4463/708 &4964/1933(C/D)
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BAYSIDE
Legal Block	2
Legal Lot Number	54
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	2
Census Block	2007
Census Tract	20803

Owner

Source: St. Johns County assessment roll, as of April 13, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1020 SPINAKER LN, SAINT JOHNS, FL 32259-9037
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Deed of Trust, Mortgage · Line of Credit RADIFI FCU
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Jun 15, 2020	Correction Deed HOMEGUARD TITLE AND TRUST, HOMEGUARD TITLE & TRUST
Nov 15, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 15, 2017 · Amount on Record
Deed Sale	Nov 15, 2017 · Amount on Record
Prior Sale	Apr 16, 2009 · Amount on Record
Deed Document Number	201777659
Deed Book / Page	4463 / 708
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1020 SPINAKER LN, SAINT JOHNS, FL 32259-9037
Transaction Type	Mortgage
Record Updated	Apr 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 SPINAKER LN, SAINT JOHNS, FL 32259-9037

Mortgage

Document Number	0059241634
Date	Apr 2, 2024
Book Page	5924/1634
Instrument	2024024259

Lender

Name	RADIFI FCU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1020 SPINAKER LN, SAINT JOHNS, FL 32259-9037
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049641935
Date	Jun 15, 2020
Book Page	4964/1935
Instrument	2020046613

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

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

June 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 15, 2020
Property Address	1020 SPINAKER LN, SAINT JOHNS, FL 32259-9037
Document Number	0049641933
Book / Page	004964 / 001933
Instrument Date	Jun 10, 2020
Instrument	46612
Record Updated	Jul 27, 2020
Title Company	HOMEGUARD TITLE AND TRUST, HOMEGUARD TITLE & TRUST

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1020 SPINAKER LN ST JOHNS FL 322599037, ST JOHNS, FL 32259-9037

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 15, 2017
Property Address	1020 SPINAKER LN, SAINT JOHNS, FL 32259-9037
Document Number	0044630708
Book / Page	4463 / 0708
Instrument Date	Nov 14, 2017
Instrument	2017077659
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	HOMEGUARD TITLE & TRUST LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,849.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	441 SHETLAND DR, 441, SAINT JOHNS, FL 32259-6639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 SPINAKER LN, PENSACOLA, FL 32559-0001

Mortgage

Document Number	2017077660
Date	Nov 15, 2017
Instrument	2017077660

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$366,912 (+2.7%)	$545,543 (+15.29%) Land $200,000 Building $345,543
2025	$4,624.00 (+12.42%) Homeowner's exemption	$357,266 (+5.99%)	$473,188 (+7.8%) Land $135,000 Building $338,188
2024	$4,113.00 (+1.98%)
2023	$4,033.00 (+2.86%) Homeowner's exemption	$337,084 (+3%)	$438,957 (-3.64%) Land $120,000 Building $318,957
2022	$3,921.00 Homeowner's exemption	$327,266	$455,540 Land $112,000 Building $343,540

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 September 15, 2026 · 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 Record median of 56 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	56 in force
Nearby Flood Claims	8 (1996–2017)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Matthew, Oct 2016 · 2 claims

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	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: IQ Fiber Intermediate Holdings.

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