St. Johns County property record for 166 Waterfront Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,849 sqft · built 2013 |
| Lot Size | 0.26 acres (11,325 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $300,000 (Jan 2017) |
| Tax Bill | $7,227 (2025) |
| Deeds & Mortgages | Feb 2018 Loan Modification Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 000706-1440 |
| Primary APN | 000706-1440 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,849 sqft Living Area |
| Gross Area | 3,348 sqft |
| 1st Floor Area | 2,198 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,325 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 499 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 255 sqft |
| Patio Area | 204 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 166 WATERFRONT DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8652 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 67/8-13 RIVERTOWN LAKES 2 LOT 144 OR4313/1496 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 44 |
| Legal Subdivision | RIVERTOWN LAKES 2 |
| Legal Block | 1 |
| Legal Lot Number | 144 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 20807 |
Source: St. Johns County records, as of April 13, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 166 WATERFRONT DR, SAINT JOHNS, FL 32259-8652 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 22, 2018 | Loan Modification, Mortgage · Conventional Mortgage VYSTAR CU |
| Jan 6, 2017 | Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 6, 2017 · Amount on Record |
| Deed Sale | Jan 6, 2017 · Amount on Record |
| Prior Sale | May 29, 2013 · Amount on Record |
| Deed Document Number | 20171491 |
| Deed Book / Page | 4313 / 1496 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 166 WATERFRONT DR, SAINT JOHNS, FL 32259-8652 |
| Document Number | 0045121588 |
| Instrument Date | Feb 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 166 WATERFRONT DR ST JOHNS FL 322598652, ST JOHNS, FL 32259-8652 |
| Document Number | 0045121588 |
|---|---|
| Date | Mar 7, 2018 |
| Book Page | 004512/001588 |
| Instrument | 15111 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 6, 2033 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 6, 2017 |
| Property Address | 166 WATERFRONT DR, SAINT JOHNS, FL 32259-8652 |
| Document Number | 0043131496 |
| Book / Page | 004313 / 001496 |
| Instrument Date | Dec 30, 2016 |
| Instrument | 1491 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2017 |
| Title Company | WATSON TITLE SERVICES/N FL INC, WATSON TITLE SVCS/N FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4805 INNISBROOK CT S ELKTON FL 320332067, ELKTON, FL 32033-2067 |
| Document Number | 43131498, |
|---|---|
| Date | Jan 6, 2017 |
| Book Page | 004313/001498 |
| Instrument | 1492 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 5, 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 | $298,071 (+2.7%) | $483,473 (-5.67%) Land $150,000 Building $333,473 | |
| 2025 | $7,227.00 (+9.98%) Homeowner's exemption | $290,235 (+5.99%) | $512,520 (+5.64%) Land $160,000 Building $352,520 |
| 2024 | $6,571.00 (+2.4%) | ||
| 2023 | $6,417.00 (+1.84%) Homeowner's exemption | $273,840 (+3%) | $485,142 (+10.3%) Land $120,000 Building $365,142 |
| 2022 | $6,301.00 Homeowner's exemption | $265,864 | $439,851 Land $117,600 Building $322,251 |
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 189 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 189 in force |
| Nearby Flood Claims | 4 (1997–2017) |
| Claims Outside the SFHA | 3 of 4 |
| 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 | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
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 305 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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