St. Johns County property record for 109 Topside Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 3,629 sqft · built 2021 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $733,046 (Nov 2021) |
| Tax Bill | $14,794 (2025) |
| Deeds & Mortgages | Jun 2025 Second Mortgage May 2025 Transfer + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 023715-0040 |
| Primary APN | 023715-0040 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 21 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,629 sqft Living Area |
| Gross Area | 4,504 sqft |
| 1st Floor Area | 2,756 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 TOPSIDE DR |
|---|---|
| City | ST JOHNS |
| State | FL |
| Zip | 32259-2319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 87/13-21 TWIN CREEKS NORTH PARCEL 14 PHASE 1 LOT 4 OR5410/1908 & 6151/396(Q/C) |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 10 |
| Legal Subdivision | TWIN CREEKS NORTH PARCEL 14 PHASE 1 |
| Legal Phase | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 20904 |
Source: St. Johns County records, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 109 TOPSIDE DR, SAINT JOHNS, FL 32259-2319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jun 16, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| May 19, 2025 | Divorce Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Nov 3, 2021 | Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC |
| Dec 16, 2020 | Loan Modification, Mortgage · Line of Credit AMERIS BK |
| Dec 18, 2020 | Grant Deed, Transfer DF TITLE LLC |
| Sep 29, 2020 | Loan Modification, Mortgage FLAGSTAR BK |
| Aug 31, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 3, 2021 · Amount on Record |
| Deed Sale | Nov 3, 2021 · Amount on Record |
| Deed Document Number | 2021119663 |
| Deed Book / Page | 5410 / 1908 |
| Last Transfer Date | May 5, 2025 |
| Transfer Doc | 0061510396 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 TOPSIDE DR, SAINT JOHNS, FL 32259-2319 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 109 TOPSIDE DR, SAINT JOHNS, FL 32259-2319 |
| Document Number | 0061670451 |
|---|---|
| Date | Jun 16, 2025 |
| Book Page | 6167/451 |
| Instrument | 2025047266 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2045 |
| Document Type | Divorce Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 19, 2025 |
| Property Address | 109 TOPSIDE DR, SAINT JOHNS, FL 32259-2319 |
| Document Number | 0061510396 |
| Book / Page | 6151 / 396 |
| Map Reference | MB 87 PG 12-21 |
| Instrument Date | May 5, 2025 |
| Instrument | 2025039197 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 TOPSIDE DR, ST JOHNS, FL 32259-2319 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 3, 2021 |
| Property Address | 109 TOPSIDE DR, SAINT JOHNS, FL 32259-2319 |
| Document Number | 0054101908 |
| Book / Page | 5410 / 1908 |
| Map Reference | MB 87 PG 13-21 |
| Instrument Date | Oct 28, 2021 |
| Instrument | 2021119663 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,131.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 109 TOPSIDE DR, ST JOHNS, FL 32259-2319 |
| Document Number | 0054101913 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 5410/1913 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 TOPSIDE DR, SAINT JOHNS, FL 32259-2319 |
| Document Number | 0051290601 |
| Instrument Date | Dec 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2021 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 109 TOPSIDE DR ST JOHNS FL 322592319, ST JOHNS, FL 32259-2319 |
| Investor | Possibly a Property Investor |
| Document Number | 0051290601 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 005129/000601 |
| Instrument | 116021 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 18, 2020 |
| Property Address | 109 TOPSIDE DR, SAINT JOHNS, FL 32259-2319 |
| Document Number | 0051290503 |
| Book / Page | 005129 / 000503 |
| Instrument Date | Dec 16, 2020 |
| Instrument | 116000 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2021 |
| Title Company | DF TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,139.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 TOPSIDE DR, SAINT JOHNS, FL 32259-2319 |
| Document Number | 0050581968 |
| Instrument Date | Sep 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 109 TOPSIDE DR ST JOHNS FL 322592319, ST JOHNS, FL 32259-2319 |
| Document Number | 0050581968 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | 005058/001968 |
| Instrument | 85730 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Sep 30, 2021 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 31, 2018 |
| Property Address | 109 TOPSIDE DR, SAINT JOHNS, FL 32259-2319 |
| Document Number | 0046060027 |
| Book / Page | 004606 / 000027 |
| Instrument Date | Aug 8, 2018 |
| Instrument | 63663 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $23,100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742 |
| Investor | Possibly a Property Investor |
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 | $767,586 (+1.11%) | $852,547 (-0.13%) Land $210,000 Building $642,547 | |
| 2025 | $14,794.00 (+10.73%) Homeowner's exemption | $759,172 (+9.18%) | $853,667 (+14.62%) Land $185,000 Building $668,667 |
| 2024 | $13,360.00 (+7.04%) Homeowner's exemption | $695,351 (+10.88%) | $744,757 (+3.11%) Land $160,000 Building $584,757 |
| 2023 | $12,481.00 (+3.62%) Homeowner's exemption | $627,132 (+3%) | $722,284 (+13.6%) Land $160,000 Building $562,284 |
| 2022 | $12,045.00 Homeowner's exemption | $608,866 | $635,830 Land $140,000 Building $495,830 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 in force |
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 | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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