St. Johns County property record for 109 Narrowleaf Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,450 sqft · built 2017 |
| Lot Size | 0.26 acres (11,325 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $376,420 (Jun 2017) |
| Tax Bill | $4,275 (2025) |
| Deeds & Mortgages | Dec 2021 Second Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000708-0560 |
| Primary APN | 000708-0560 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,450 sqft Living Area |
| Gross Area | 3,244 sqft |
| 1st Floor Area | 2,450 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,325 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 794 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 394 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 NARROWLEAF DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8693 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 69/100-107 RIVERTOWN LAKES UNIT 1 LOT 56 OR4383/1750 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 39 |
| Legal Subdivision | RIVERTOWN LAKES UNIT 1 |
| Legal Block | 1 |
| Legal Lot Number | 56 |
| Legal Unit | 1 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 20807 |
Source: St. Johns County records, as of June 17, 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 Record |
|---|---|
| Mailing Address | 109 NARROWLEAF DR, SAINT JOHNS, FL 32259-8693 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Jan 15, 2021 | Deed of Trust, Mortgage · VA Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Apr 13, 2020 | Deed of Trust, Mortgage · VA Mortgage NATIONAL BANK OF KANSAS CITY |
| Jun 5, 2017 | Special Warranty Deed, Transfer · VA Mortgage BOKF NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2017 · Amount on Record |
| Deed Sale | Jun 5, 2017 · Amount on Record |
| Prior Sale | May 1, 2017 · Amount on Record |
| Deed Document Number | 201738456 |
| Deed Book / Page | 4383 / 1750 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 NARROWLEAF DR, SAINT JOHNS, FL 32259-8693 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 109 NARROWLEAF DR, SAINT JOHNS, FL 32259-8693 |
| Document Number | 0054550670 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 5455/670 |
| Instrument | 2021139777 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 NARROWLEAF DR, SAINT JOHNS, FL 32259-8693 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 109 NARROWLEAF DR, SAINT JOHNS, FL 32259-8693 |
| Document Number | 0051521855 |
|---|---|
| Date | Jan 15, 2021 |
| Book Page | 5152/1855 |
| Instrument | 2021005459 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28211 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 NARROWLEAF DR, SAINT JOHNS, FL 32259-8693 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0049211161 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 4921/1161 |
| Instrument | 2020028727 |
| Name | NATIONAL BANK OF KANSAS CITY |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64114 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 5, 2017 |
| Property Address | 109 NARROWLEAF DR, SAINT JOHNS, FL 32259-8693 |
| Document Number | 0043831750 |
| Book / Page | 4383 / 1750 |
| Map Reference | MB69 PG100-107 |
| Instrument Date | May 31, 2017 |
| Instrument | 2017038456 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | SHEFILED & BOATRIGHT TITLE S |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7800 BELFORT PKWY, 7800, JACKSONVILLE, FL 32256-6941 |
| Name | Verified Name |
|---|---|
| Address | 109 NARROWLEAF DR, SAINT JOHNS, FL 32259-8693 |
| Document Number | 2017038457 |
|---|---|
| Date | Jun 5, 2017 |
| Instrument | 2017038457 |
| Name | BOKF NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2047 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $451,010 (+2.7%) | $598,933 (-2.28%) Land $155,000 Building $443,933 | |
| 2025 | $4,275.00 (-51.54%) Disabled Person's exemption Veteran's exemption | $439,153 (+2.9%) | $612,921 (+4.64%) Land $145,000 Building $467,921 |
| 2024 | $8,822.00 (+2.15%) Homeowner's exemption | $426,776 (+3%) | $585,753 (+0.53%) Land $150,000 Building $435,753 |
| 2023 | $8,636.00 (+13.65%) Homeowner's exemption | $414,346 (+24.32%) | $582,650 (+34.51%) Land $150,000 Building $432,650 |
| 2022 | $7,599.00 Homeowner's exemption | $333,297 | $433,155 Land $123,200 Building $309,955 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 189 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 189 in force |
| Nearby Flood Claims | 4 (1997–2017) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 305 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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