St. Johns County property record for 181 Thornloe Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,492 sqft · built 2009 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $570,000 (Aug 2021) |
| Tax Bill | $10,183 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009635-2540 |
| Primary APN | 009635-2540 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,492 sqft Living Area |
| Gross Area | 3,891 sqft |
| 1st Floor Area | 1,540 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,147 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 427 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 181 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 254 OR5354/807 |
| 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 | 254 |
| 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 April 13, 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 | 181 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 2, 2023 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Aug 27, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ANGEL OAK HOME LOANS LLC |
| May 6, 2021 | Trustee's Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2021 · Amount on Record |
| Deed Sale | Aug 27, 2021 · Amount on Record |
| Prior Sale | May 6, 2021 · Amount on Record |
| Deed Document Number | 202194875 |
| Deed Book / Page | 5354 / 807 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 181 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 181 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Document Number | 0058021055 |
|---|---|
| Date | Aug 2, 2023 |
| Book Page | 5802/1055 |
| Instrument | 2023060387 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 1, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 27, 2021 |
| Property Address | 181 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Document Number | 0053540807 |
| Book / Page | 5354 / 807 |
| Map Reference | MB 59 PG 73 |
| Instrument Date | Aug 25, 2021 |
| Instrument | 2021094875 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 3, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,990.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13361 ATLANTIC BLVD, JACKSONVILLE, FL 32225-5569 |
| Name | Verified Name |
|---|---|
| Address | 181 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Document Number | 0005354809 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 5354/809 |
| Name | ANGEL OAK HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 6, 2021 |
| Property Address | 181 THORNLOE DR, SAINT JOHNS, FL 32259-7258 |
| Document Number | 0052590513 |
| Book / Page | 5259 / 513 |
| Map Reference | MB 59 PG 73-100 |
| Instrument Date | May 6, 2021 |
| Instrument | 2021051563 |
| Transaction Type | Foreclosure |
| Record Updated | May 23, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,800.70 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3721 DUPONT STATION CT S, JACKSONVILLE, FL 32217-2518 |
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 | $530,291 (-7.59%) Land $115,000 Building $415,291 | $530,291 (-7.59%) Land $115,000 Building $415,291 | |
| 2025 | $10,183.00 (+9.65%) Homeowner's exemption | $573,849 (+2.78%) | $573,849 (+2.78%) Land $134,000 Building $439,849 |
| 2024 | $9,287.00 (-0.19%) Homeowner's exemption | $558,324 (+0.33%) | $558,324 (-1.54%) Land $125,000 Building $433,324 |
| 2023 | $9,305.00 (+3.46%) Homeowner's exemption | $556,465 (+3%) | $567,063 (+4.96%) Land $120,000 Building $447,063 |
| 2022 | $8,994.00 Homeowner's exemption | $540,257 | $540,257 Land $112,000 Building $428,257 |
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 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 233 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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