104 Tern Trace Ct, Saint Johns, FL 32259 Property Records

St. Johns County property record for 104 Tern Trace Ct, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,297 sqft · built 1997
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Oct 2005)
Tax Bill	$4,231 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`249350-2320`

Property Details

APN / Parcel Number

Primary APN	`249350-2320`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,297 sqft Living Area
Gross Area	2,993 sqft
1st Floor Area	2,297 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	319 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	104 TERN TRACE CT
City	SAINT JOHNS
State	FL
Zip	32259-3312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	30/81-86 JULINGTON CREEK PLANTATION PARCEL 35 PHASE 4B LOT 232 OR2556/379
Legal Range	27E
Legal Township	04S
Legal Section	33
Legal Subdivision	JULINGTON CREEK PLANTATION PARCEL 35 PHA
Legal Phase	4B
Legal Block	2
Legal Lot Number	232
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	2
Census Block	2000
Census Tract	20802

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	104 TERN TRACE CT, SAINT JOHNS, FL 32259-3312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Aug 28, 2017	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 10, 2005 · Amount on Record
Deed Sale	Oct 10, 2005 · Amount on Record
Prior Sale	May 21, 2002 · Amount on Record
Deed Document Number	200584075
Deed Book / Page	2556 / 379
Prior Transfer Date	May 15, 2002
Prior Transfer Doc	0000029901
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	104 TERN TRACE CT, SAINT JOHNS, FL 32259-3312
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 TERN TRACE CT, JACKSONVILLE, FL 32259-3312

Mortgage

Document Number	0056451665
Date	Oct 7, 2022
Book Page	5645/1665
Instrument	2022094459

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	104 TERN TRACE CT, SAINT JOHNS, FL 32259-3312
Document Number	0044301305
Book / Page	004430 / 001305
Instrument Date	Aug 28, 2017
Transaction Type	Mortgage
Record Updated	Sep 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	104 TERN TRACE CT JACKSONVILLE FL 322593312, JACKSONVILLE, FL 32259-3312

Mortgage

Document Number	0044301305
Date	Sep 1, 2017
Book Page	004430/001305
Instrument	60916

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 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		$223,632 (+2.7%)	$400,653 (+1.46%) Land $95,000 Building $305,653
2025	$4,231.00 (+11.43%) Homeowner's exemption	$217,753 (+2.9%)	$394,882 (-1.63%) Land $99,000 Building $295,882
2024	$3,797.00 (+10.99%) Homeowner's exemption	$211,616 (+3%)	$401,427 (+0.35%) Land $99,000 Building $302,427
2023	$3,421.00 (+2.24%) Homeowner's exemption	$205,452 (+3%)	$400,027 (+4.35%) Land $94,000 Building $306,027
2022	$3,346.00 Homeowner's exemption	$199,468	$383,334 Land $89,600 Building $293,734

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 27 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2007 · rainfall accumulation

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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: Hotwire Communications.

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