120 Rustic Oaks Ln, Saint Johns, FL 32259 Property Records

St. Johns County property record for 120 Rustic Oaks Ln, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,878 sqft · built 2003
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on File
Last Sale	$1,350,000 (Oct 2022)
Tax Bill	$334 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`007110-0000`

Property Details

APN / Parcel Number

Primary APN	`007110-0000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Stories	2 Stories
Building Area	3,878 sqft Living Area
Gross Area	4,742 sqft
1st Floor Area	1,939 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	54,450 sqft (1.25 acres)
Lot Width	110 ft Width
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	594 sqft
Porch	Finished/Open Porch
Porch Area	717 sqft
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	120 RUSTIC OAKS LN
City	SAINT JOHNS
State	FL
Zip	32259-3172
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	5-13 FRUIT COVE TERRACE (3) LOT 26 (EX E1130FT) & PT OF N PT LOT 27 - 110FT ON RIVER OR5644/1568
Legal Range	27E
Legal Township	05S
Legal Section	37
Legal Subdivision	FRUIT COVE TERRACE
Legal Block	1
Legal Lot Number	26,27
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1003
Census Tract	20803

Owner

120 Rustic Oaks Ln is owned and occupied by two individuals who bought it in October 2022.

Source: St. Johns County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 RUSTIC OAKS LN, SAINT JOHNS, FL 32259-3172
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2022 · Amount on File
Deed Sale	Oct 6, 2022 · Amount on File
Deed Document Number	202293896
Deed Book / Page	5644 / 1568
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 6, 2022
Property Address	120 RUSTIC OAKS LN, SAINT JOHNS, FL 32259-3172
Document Number	0056441568
Book / Page	5644 / 1568
Map Reference	MB 5 PG 13
Instrument Date	Sep 23, 2022
Instrument	2022093896
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	MARSH LANDING TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	183 BROADLEAF LN, SAINT JOHNS, FL 32259-8709

Mortgage

Document Number	0056441570
Date	Oct 6, 2022
Instrument	5644/1570

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 120 Rustic Oaks Ln was $334 with a veteran's exemption, down 97.1% from the year before.

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		$995,831 (+2.7%)	$1,247,188 (-0.4%) Land $610,500 Building $636,688
2025	$334.00 (-97.1%) Disabled Person's exemption Veteran's exemption	$969,650 (+2.9%)	$1,252,149 (+7.89%) Land $583,000 Building $669,149
2024	$11,514.00 (+1.86%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$942,323 (+3%)	$1,160,581 (+8.68%) Land $505,120 Building $655,461
2023	$11,304.00 (-2.74%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$914,877 (-1.52%)	$1,067,878 (+14.49%) Land $505,120 Building $562,758
2022	$11,622.00 Homeowner's exemption	$929,014	$932,759 Land $505,120 Building $427,639

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 120 Rustic Oaks Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 120 Rustic Oaks Ln is moderate, ranking above 46% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	BAYSIDE ESTATES WTP private · serves 180 people · EPA ID FL2554344
Water Source	Groundwater
Last State Inspection	Mar 2024
Also Mapped Here	JEA MAJOR GRID
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	5 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 44 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

May also be available: IQ Fiber, Verizon.

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