1030 Bernath Rd, Saint Johns, FL 32259 Property Records

St. Johns County property record for 1030 Bernath Rd, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,196 sqft · built 1981
Lot Size	1 acres (43,560 sqft)
Owner	2 Company Names on File
Last Sale	$195,000 (Mar 2017)
Tax Bill	$3,028 (2025)
Deeds & Mortgages	May 2022 Second Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`002475-0040`

Property Details

APN / Parcel Number

Primary APN	`002475-0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,196 sqft Living Area
Gross Area	2,700 sqft
1st Floor Area	2,196 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1996
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Finished/Open Porch
Porch Area	550 sqft
Deck Area	Deck Area
Patio Area	1,272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1030 BERNATH RD
City	SAINT JOHNS
State	FL
Zip	32259-9202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	7-4 PT OF FATIO GRANT DUNHAM TRACT 145 X 300FT (MILLERS COVE UNREC) OR4338/572 & 6204/1460
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	MILLERS COVE UNPLATTED
Legal Tract	145
Legal Block	1
Legal Lot Number	7-4
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1006
Census Tract	20804

Owner

1030 Bernath Rd is owned by a company that bought it in March 2017.

Source: St. Johns County records, as of September 11, 2026

Owner of Record	2 Company Names on File
Mailing Address	1030 BERNATH RD, SAINT JOHNS, FL 32259-9202
Owner Type	Company
Vesting	Life Tenant

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
May 24, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU
Sep 22, 2020	Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC
Dec 13, 2017	Deed of Trust, Mortgage · VA Mortgage RPM LENDING INC
Mar 1, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2017 · Amount on File
Deed Sale	Mar 1, 2017 · Amount on File
Prior Sale	Apr 1, 2003 · Amount on File
Deed Document Number	201714747
Deed Book / Page	4338 / 572
Prior Transfer Date	Sep 12, 2014
Prior Transfer Doc	0039340263
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1030 BERNATH RD, SAINT JOHNS, FL 32259-9202
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 BERNATH RD, SAINT JOHNS, FL 32259-9202

Mortgage

Document Number	0055641727
Date	May 24, 2022
Book Page	5564/1727
Instrument	2022052681

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2042

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1030 BERNATH RD, SAINT JOHNS, FL 32259-9202
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 BERNATH RD, SAINT JOHNS, FL 32259-9202

Mortgage

Document Number	0050490643
Date	Sep 22, 2020
Book Page	5049/643
Instrument	2020081685

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45242

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1030 BERNATH RD, SAINT JOHNS, FL 32259-9202
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044751894
Date	Dec 13, 2017
Book Page	4475/1894
Instrument	2017084225

Lender

Name	RPM LENDING INC
Type	Lending Institution
Address	MAITLAND, FL 32751

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 1, 2017
Property Address	1030 BERNATH RD, SAINT JOHNS, FL 32259-9202
Document Number	0043380572
Book / Page	4338 / 0572
Instrument Date	Feb 28, 2017
Instrument	2017014747
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	HOME GUARD TITLE & TIRUST LL

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 BERNATH RD, JACKSONVILLE, FL 32259-9202

Mortgage

Document Number	2017014748
Date	Mar 1, 2017
Instrument	2017014748

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1030 Bernath Rd was $3,028, up 13.5% from the year before.

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		$245,266 (+2.7%)	$386,851 (+11.12%) Land $140,000 Building $246,851
2025	$3,028.00 (+13.45%) Homeowner's exemption	$238,818 (+2.9%)	$348,130 (+4.76%) Land $140,000 Building $208,130
2024	$2,669.00 (+2.1%) Homeowner's exemption	$232,087 (+3%)	$332,300 (+5.11%) Land $120,000 Building $212,300
2023	$2,614.00 (+3.24%) Homeowner's exemption	$225,327 (+3%)	$316,146 (-1.11%) Land $100,000 Building $216,146
2022	$2,532.00 Homeowner's exemption	$218,764	$319,689 Land $117,600 Building $202,089

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

Flood

FEMA maps place 1030 Bernath Rd 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 September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 86 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	86 in force
Nearby Flood Claims	5 (2004–2016)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Oct 2016 · Hurricane Matthew

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 1030 Bernath Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 127 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	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, IQ Fiber.

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