1186 Wards Pl, Saint Johns, FL 32259 Property Records

St. Johns County property record for 1186 Wards Pl, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,581 sqft · built 2005
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,334 (2025)
Deeds & Mortgages	Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`005369-0110`

Property Details

APN / Parcel Number

Primary APN	`005369-0110`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,581 sqft Living Area
Gross Area	3,219 sqft
1st Floor Area	2,581 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	117 ft deep x 188 ft wide
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	317 sqft
Patio Area	535 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1186 WARDS PL
City	SAINT JOHNS
State	FL
Zip	32259-2875
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS1
Legal Description	12-59 WARDS WOODS UT 1 LOT 11 OR442/344 &442/345(Q/C) & 949/1157(Q/C) &2192/1250(Q/C) & 3894/152(L/E) &3905/245
Legal Range	27E
Legal Township	04S
Legal Section	31
Legal Subdivision	WARDS WOODS UNIT 1
Legal Block	1
Legal Lot Number	11
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1015
Census Tract	20803

Owner

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	1186 WARDS PL, SAINT JOHNS, FL 32259-2875
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 15, 2014
Transfer Doc	0039050245
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1186 WARDS PL, SAINT JOHNS, FL 32259-2875
Document Number	0046670979
Instrument Date	Dec 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1186 WARDS PL ST JOHNS FL 322592875, ST JOHNS, FL 32259-2875

Mortgage

Document Number	0046670979
Date	Jan 15, 2019
Book Page	004667/000979
Instrument	3130

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2049

Interest

Rate Type	Adjustable Rate

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		$268,585 (+2.7%)	$488,954 (-0.05%) Land $110,000 Building $378,954
2025	$3,334.00 (+13.17%) Homeowner's exemption	$261,524 (+2.9%)	$489,182 (+4.65%) Land $110,000 Building $379,182
2024	$2,946.00 (+2.08%) Homeowner's exemption	$254,154 (+3%)	$467,464 (+1.4%) Land $100,000 Building $367,464
2023	$2,886.00 (+3.11%) Homeowner's exemption	$246,751 (+3%)	$461,032 (+18.91%) Land $100,000 Building $361,032
2022	$2,799.00 Homeowner's exemption	$239,564	$387,701 Land $100,800 Building $286,901

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 102 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	102 in force
Nearby Flood Claims	39 (1991–2017)
Claims Outside the SFHA	26 of 39
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 22 claims Hurricane Matthew, Oct 2016 · 5 claims Hurricane Frances, Sep 2004 · 2 claims

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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% 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	CYPRESS LANDING WTP private · serves 38 people · EPA ID FL2550250
Water Source	Groundwater
Last State Inspection	Dec 2025
Also Mapped Here	JEA MAJOR GRID
Lead	Under 1 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	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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