St. Johns County property record for 145 Thornloe Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,058 sqft · built 2009 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $520,000 (May 2026) |
| Tax Bill | $7,387 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit May 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009635-2410 |
| Primary APN | 009635-2410 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,058 sqft Living Area |
| Gross Area | 3,710 sqft |
| 1st Floor Area | 1,298 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 316 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 145 THORNLOE DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-7258 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 59/73-100 DURBIN CROSSING SOUTH PHASE 1 LOT 241 OR4918/1412 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 12 |
| Legal Subdivision | DURBIN CROSSING SOUTH PHASE 1 |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 241 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20810 |
Source: St. Johns County records, as of June 10, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 145 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Oct 19, 2022 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| May 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage US MORTGAGE CAPITAL INC |
| May 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| Apr 8, 2020 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Oct 24, 2017 | Warranty Deed, Transfer · VA Mortgage FIDELITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on Record |
| Deed Sale | May 28, 2026 · Amount on Record |
| Prior Sale | Apr 8, 2020 · Amount on Record |
| Deed Document Number | 202645650 |
| Deed Book / Page | 6372 / 441 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 145 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 145 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Document Number | 0056510175 |
|---|---|
| Date | Oct 19, 2022 |
| Book Page | 5651/175 |
| Instrument | 2022097448 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 12, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 28, 2026 |
| Property Address | 145 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Document Number | 0000045650 |
| Book / Page | 6372 / 441 |
| Instrument Date | May 28, 2026 |
| Instrument | 202645650 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2026 |
| Title Company | HARBORVIEW TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $367,640.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 145 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Document Number | 0000045651, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202645651 |
| Name | US MORTGAGE CAPITAL INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 28, 2026 |
| Property Address | 145 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Document Number | 0063720441 |
| Book / Page | 6372 / 441 |
| Instrument Date | May 28, 2026 |
| Instrument | 202645650 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | HARBORVIEW TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $367,640.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 145 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Document Number | 0000045651, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202645651 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 8, 2020 |
| Property Address | 145 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Document Number | 0049181412 |
| Book / Page | 4918 / 1412 |
| Map Reference | MB 59 PG 73-100 |
| Instrument Date | Mar 31, 2020 |
| Instrument | 2020027615 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | LANDMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,534.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 101 WAR ADMIRAL CT, 101, ELIZABETHTOWN, KY 42701-8495 |
| Name | Verified Name |
|---|---|
| Address | 145 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Document Number | 49181414 |
|---|---|
| Date | Apr 8, 2020 |
| Instrument | 4918/1414 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 24, 2017 |
| Property Address | 145 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Document Number | 0044521738 |
| Book / Page | 4452 / 1738 |
| Map Reference | MB71 PG3-7 |
| Instrument Date | Oct 20, 2017 |
| Instrument | 2017072061 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | RIVERCITY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 240 DPCLJPISE RD, 240, SAINT JOHNS, FL 32259 |
| Name | Verified Name |
|---|---|
| Address | 4020 SAVANNAH GLEN BLVD, ORANGE PARK, FL 32073-7618 |
| Document Number | 2017072062 |
|---|---|
| Date | Oct 24, 2017 |
| Instrument | 2017072062 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
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 | $376,162 (+2.7%) | $481,883 (-1.94%) Land $115,000 Building $366,883 | |
| 2025 | $7,387.00 (+9.45%) Homeowner's exemption | $366,273 (+2.9%) | $491,430 (+3.08%) Land $134,000 Building $357,430 |
| 2024 | $6,749.00 (+1.83%) Homeowner's exemption | $355,950 (+3%) | $476,768 (-2.09%) Land $125,000 Building $351,768 |
| 2023 | $6,628.00 (+3.98%) Homeowner's exemption | $345,583 (+3%) | $486,926 (+4.82%) Land $120,000 Building $366,926 |
| 2022 | $6,374.00 Homeowner's exemption | $335,517 | $464,521 Land $112,000 Building $352,521 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 181 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 181 in force |
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 | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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.
Source: FCC Broadband Data Collection, based on 222 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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