188 Sapling Ter, Jacksonville (Saint Johns), FL 32259 Property Records

St. Johns County property record for 188 Sapling Ter, Jacksonville, FL 32259

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,453 sqft · built 2025
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on File
Last Sale	$1,072,844 (Apr 2025)
Tax Bill	$2,556 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000690-2850`

Property Details

APN / Parcel Number

Primary APN	`000690-2850`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Stories	1 Story
Building Area	4,453 sqft Living Area
Gross Area	5,126 sqft
1st Floor Area	2,862 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	673 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	188 SAPLING TER
City	JACKSONVILLE
State	FL
Zip	32259-8563
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	122/28-37 BARTRAM RANCH PHASE 5 LOT 285 OR6139/741
Legal Subdivision	BARTRAM RANCH PHASE 5
Legal Block	1
Legal Lot Number	285
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1005
Census Tract	20807

Owner

Source: St. Johns County records · APN 000690-2850

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	188 SAPLING TER, SAINT JOHNS, FL 32259-8563
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 29, 2025 · Amount on Record
Deed Sale	Apr 29, 2025 · Amount on Record
Deed Document Number	202533314
Deed Book / Page	6139 / 741
Record Updated	Jun 08, 2026

April 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 29, 2025
Property Address	188 SAPLING TER, SAINT JOHNS, FL 32259-8563
Document Number	0061390741
Book / Page	6139 / 741
Map Reference	MB 122 PG 28-37
Instrument Date	Apr 24, 2025
Instrument	2025033314
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	$7,510.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 SAPLING TER, JACKSONVILLE, FL 32259-8563

Mortgage

Document Number	0006139743
Date	Apr 29, 2025
Instrument	6139/743

Lender

Name	RADIFI FCU
Type	Credit Union

Agreement

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

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		$900,175 (+445.56%) Land $195,000 Building $705,175	$900,175 (+445.56%) Land $195,000 Building $705,175
2025	$2,556.00 (+191.45%)	$165,000	$165,000 Land $165,000
2024	$877.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 113 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	JEA MAJOR GRID serves 826,664 people
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.