St. Johns County property record for 129 Reflections Ave, Ponte Vedra Beach, FL 32081
| Property Type | Single Family Home |
|---|---|
| Details | built 2026 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $820,000 (Jul 2026) |
| Tax Bill | $4,356 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 070503-3380 |
| Primary APN | 070503-3380 |
|---|
| Year Built | Built 2026 |
|---|---|
| Lot Area | 7,840 sqft (0.18 acres) |
| Street Address | 129 REFLECTIONS AVE |
|---|---|
| City | PONTE VEDRA |
| State | FL |
| Zip | 32081-1192 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 124/1-25 SEABROOK VILLAGE PHASE 2 LOT 338 OR5951/1521 |
| Legal Subdivision | SEABROOK VILLAGE PHASE 2 |
| Legal Block | 1 |
| Legal Lot Number | 338 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 20605 |
Source: St. Johns County records, as of July 14, 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 | 129 REFLECTIONS AVE, PONTE VEDRA, FL 32081-1192 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Jul 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK |
| Apr 24, 2026 | Special Warranty Deed · Conventional Mortgage NEW AMERICAN FUNDING |
| Apr 24, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2026 · Amount on Record |
| Deed Sale | Jul 2, 2026 · Amount on Record |
| Prior Sale | Apr 24, 2026 · Amount on Record |
| Deed Document Number | 202656696 |
| Deed Book / Page | 6394 / 944 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 2, 2026 |
| Property Address | 129 REFLECTIONS AVE, PONTE VEDRA, FL 32081-1192 |
| Document Number | 0000056696 |
| Book / Page | 6394 / 944 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 202656696 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | MILESTONE TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $579,740.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 129 REFLECTIONS AVE, PONTE VEDRA, FL 32081-1192 |
| Investor | Possibly a Property Investor |
| Document Number | 0000056697, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 202656697 |
| Name | FIRST HORIZON BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 24, 2026 |
| Property Address | 129 REFLECTIONS AVE, PONTE VEDRA, FL 32081-1192 |
| Document Number | 0000035272 |
| Book / Page | 6350 / 1472 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 2026.35272 |
| Record Updated | May 6, 2026 |
| Title Company | WESTMINSTER ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $553,668.87 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 525 CRESTVIEW DR, PONTE VEDRA, FL 32081-5203 |
| Document Number | 0000035273, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 2026..35273 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 24, 2026 |
| Property Address | 129 REFLECTIONS AVE, PONTE VEDRA, FL 32081-1192 |
| Document Number | 0063501472 |
| Book / Page | 6350 / 1472 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 202635272 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | WESTMINSTER ABSTRACT COMPANY, WESTMINSTER ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $553,668.87 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 525 CRESTVIEW DR, PONTE VEDRA, FL 32081-5203 |
| Document Number | 0000035273, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 202635273 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $132,000 (+1%) Land $132,000 | $185,000 (+54.17%) Land $185,000 | |
| 2025 | $4,356.00 | $120,000 | $120,000 Land $120,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 926 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 926 in force |
| Nearby Flood Claims | 1 (2017) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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.
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