122 Sapling Ter, Saint Johns, FL 32259 Property Records

St. Johns County property record for 122 Sapling Ter, Saint Johns, FL 32259 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	5.5 Baths
Year Built	Built 2025
Square Footage	4,594 sqft Living Area
Lot Size	15,246 sqft (0.35 acres)
Occupancy	Owner Occupied
Last Sale	$1,509,106 (2025)
Tax Bill	$2,222.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`000690-2870`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Partial Baths	1 Partial Baths
Building Area	4,594 sqft Living Area
Gross Area	5,317 sqft Gross Area
1st Floor	3,262 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Concrete Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached Garage
Garage Area	723 sqft Garage

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	122 SAPLING TER
City	SAINT JOHNS
State	FL
Zip	32259-8563
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	122/28-37 BARTRAM RANCH PHASE 5 LOT 287 OR6253/1861
Legal Subdivision	BARTRAM RANCH PHASE 5
Legal Block	1
Legal Lot Number	287
Jurisdiction	ST JOHNS FL
Minor Civil Division	FRUIT COVE
Census Blockgroup	1
Census Block	1005
Census Tract	20807

Owner

Source: St. Johns County records · APN 000690-2870

Assessment roll updated April 13, 2026 · Last verified April 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 File
Mailing Address	122 SAPLING TER, SAINT JOHNS, FL 32259-8563
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 07, 2025 · Amount on Record
Deed Sale	Nov 07, 2025 · Amount on Record
Deed Doc Number	202591427
Deed Book / Page	6253 / 1861
Record Refreshed	Jun 08, 2026

November 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 07, 2025
Property Address	122 SAPLING TER, SAINT JOHNS, FL 32259-8563
Document Number	0062531861
Book / Page	6253 / 1861
Map Reference	MB 122 PG 28-37
Instrument Date	Nov 05, 2025
Instrument	2025091427
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	WESTMINSTER TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$10,564.40
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1140 VIRGINIA DR, FORT WASHINGTON, PA 19034-3204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 SAPLING TER, SAINT JOHNS, FL 32259-8563

Mortgage

Document Number	0062531863
Date	Nov 07, 2025
Instrument	6253/1863

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Dec 01, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Max Rate	11.1%

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,053,129 (+538.26%) Land $195,000 Building $858,129	$1,053,129 (+538.26%) Land $195,000 Building $858,129
2025	$2,222.00 (+153.36%)	$165,000 (+135.71%)	$165,000 (+135.71%) Land $165,000
2024	$877.00	$70,000	$70,000 Land $70,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	About 1 in 369 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.