St. Johns County property record for 192 Sapelo Pl, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,963 sqft · built 2016 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $318,000 (Jun 2020) |
| Tax Bill | $6,948 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 000707-0790 |
| Primary APN | 000707-0790 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,963 sqft Living Area |
| Gross Area | 2,627 sqft |
| 1st Floor Area | 1,963 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 341 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 192 SAPELO PL |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 69/20-39 RIVERTOWN LANDINGS LOT 79 OR4960/1714 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 44 |
| Legal Subdivision | RIVERTOWN LANDINGS |
| Legal Block | 1 |
| Legal Lot Number | 79 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 20807 |
192 Sapelo Pl is owned and occupied by two individuals who bought it in June 2020.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 192 SAPELO PL, SAINT JOHNS, FL 32259-8744 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 15, 2021 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Jun 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2020 · Amount on File |
| Deed Sale | Jun 10, 2020 · Amount on File |
| Prior Sale | Dec 28, 2016 · Amount on File |
| Deed Document Number | 202044800 |
| Deed Book / Page | 4960 / 1714 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 192 SAPELO PL, SAINT JOHNS, FL 32259-8744 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 192 SAPELO PL, SAINT JOHNS, FL 32259-8744 |
| Document Number | 0053691044 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 5369/1044 |
| Instrument | 2021101513 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Oct 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 10, 2020 |
| Property Address | 192 SAPELO PL, SAINT JOHNS, FL 32259-8744 |
| Document Number | 0049601714 |
| Book / Page | 004960 / 001714 |
| Instrument Date | Jun 5, 2020 |
| Instrument | 44800 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2020 |
| Title Company | LANDMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,226.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 192 SAPELO PL ST JOHNS FL 322598744, ST JOHNS, FL 32259-8744 |
| Document Number | 49601716 |
|---|---|
| Date | Jun 10, 2020 |
| Book Page | 004960/001716 |
| Instrument | 44801 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 9, 2050 |
The 2025 property tax bill for 192 Sapelo Pl was $6,948 with a homeowner's exemption, up 9.9% from the year before.
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 | $325,951 (+2.7%) | $379,228 (-8.15%) Land $100,000 Building $279,228 | |
| 2025 | $6,948.00 (+9.92%) Homeowner's exemption | $317,382 (+2.9%) | $412,895 (-4.13%) Land $115,000 Building $297,895 |
| 2024 | $6,321.00 (+2.18%) Homeowner's exemption | $308,437 (+3%) | $430,687 (-0.05%) Land $115,000 Building $315,687 |
| 2023 | $6,186.00 (+1.93%) Homeowner's exemption | $299,453 (+3%) | $430,912 (+9.08%) Land $105,000 Building $325,912 |
| 2022 | $6,069.00 Homeowner's exemption | $290,731 | $395,054 Land $95,200 Building $299,854 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 192 Sapelo Pl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.
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 File 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.
Wildfire risk around 192 Sapelo Pl is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% 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 125 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 |
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