St. Johns County property record for 110 Sapelo Pl, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,468 sqft · built 2017 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $321,740 (May 2018) |
| Tax Bill | $3,195 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000707-0880 |
| Primary APN | 000707-0880 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,468 sqft Living Area |
| Gross Area | 3,320 sqft |
| 1st Floor Area | 1,039 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 373 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 110 SAPELO PL |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 69/20-39 RIVERTOWN LANDINGS LOT 88 OR4552/597 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 44 |
| Legal Subdivision | RIVERTOWN LANDINGS |
| Legal Block | 1 |
| Legal Lot Number | 88 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 20807 |
110 Sapelo Pl is owned and occupied by two individuals who bought it in May 2018.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 110 SAPELO PL, SAINT JOHNS, FL 32259-8744 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 6, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Oct 16, 2020 | Deed of Trust, Mortgage · VA Mortgage LOANUNITEDCOM LLC |
| May 25, 2018 | Special Warranty Deed, Transfer · VA Mortgage MATTAMY HOME FUNDING LLC |
| Jan 12, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2018 · Amount on File |
| Deed Sale | May 25, 2018 · Amount on File |
| Prior Sale | Jan 1, 2017 · Amount on File |
| Deed Document Number | 201836040 |
| Deed Book / Page | 4552 / 597 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 110 SAPELO PL, SAINT JOHNS, FL 32259-8744 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0047890288 |
|---|---|
| Date | Sep 6, 2019 |
| Book Page | 4789/0288 |
| Instrument | 2019065216 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 110 SAPELO PL, SAINT JOHNS, FL 32259-8744 |
| Document Number | 0050780782 |
| Instrument Date | Oct 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 110 SAPELO PL ST JOHNS FL 322598744, ST JOHNS, FL 32259-8744 |
| Document Number | 0050780782 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | 005078/000782 |
| Instrument | 94144 |
| Name | LOANUNITEDCOM LLC |
|---|---|
| Address | NORCROSS, GA 30093 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 21, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 25, 2018 |
| Property Address | 110 SAPELO PL, SAINT JOHNS, FL 32259-8744 |
| Document Number | 0045520597 |
| Book / Page | 4552 / 0597 |
| Map Reference | MB69 PG20-39 |
| Instrument Date | May 21, 2018 |
| Instrument | 2018036040 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | SHEFFIELD & BOATRIGHT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| 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 | 110 SAPELO PL, SAINT JOHNS, FL 32259-8744 |
| Document Number | 2018036041 |
|---|---|
| Date | May 25, 2018 |
| Instrument | 2018036041 |
| Name | MATTAMY HOME FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 12, 2017 |
| Property Address | 110 SAPELO PL, SAINT JOHNS, FL 32259-8744 |
| Document Number | 0043160245 |
| Book / Page | 004316 / 000245 |
| Instrument Date | Jan 9, 2017 |
| Instrument | 2800 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7800 BELFORT PKWY #195 JACKSONVILLE FL 322566946, 195, JACKSONVILLE, FL 32256-6946 |
The 2025 property tax bill for 110 Sapelo Pl was $3,195 with a veteran's exemption, up 8.4% from the year before.
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 | $331,542 (+2.7%) | $441,031 (-4.13%) Land $100,000 Building $341,031 | |
| 2025 | $3,195.00 (+8.38%) Disabled Person's exemption Veteran's exemption | $322,826 (+2.9%) | $460,019 (-4.33%) Land $115,000 Building $345,019 |
| 2024 | $2,948.00 (+2.22%) Disabled Person's exemption Veteran's exemption | $313,728 (+3%) | $480,857 (-0.37%) Land $115,000 Building $365,857 |
| 2023 | $2,884.00 (-52.97%) Disabled Person's exemption Veteran's exemption | $304,590 (+3%) | $482,656 (+9.79%) Land $105,000 Building $377,656 |
| 2022 | $6,132.00 Homeowner's exemption | $295,718 | $439,628 Land $95,200 Building $344,428 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 110 Sapelo Pl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.
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 File 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.
Wildfire risk around 110 Sapelo Pl is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
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 125 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 |
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