2109 Zach Trace Ct, Saint Johns, FL 32259 Property Records

St. Johns County property record for 2109 Zach Trace Ct, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,262 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (Nov 2022)
Tax Bill	$7,195 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Nov 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`249540-2850`

Property Details

APN / Parcel Number

Primary APN	`249540-2850`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,262 sqft Living Area
Gross Area	2,699 sqft
1st Floor Area	2,262 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	137 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2109 ZACH TRACE CT
City	SAINT JOHNS
State	FL
Zip	32259-4567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	45/35-41 JULINGTON CREEK PLANTATION PARCEL 53 PHASE 2 LOT 285 OR5661/821
Legal Range	27E
Legal Township	04S
Legal Section	34
Legal Subdivision	JULINGTON CREEK PLANTATION PARCEL 53 PHA
Legal Phase	2
Legal Block	2
Legal Lot Number	285
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	2
Census Block	2005
Census Tract	20808

Owner

2109 Zach Trace Ct is owned and occupied by an individual who bought it in November 2022.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	Individual Name on File
Mailing Address	2109 ZACH TRACE CT, SAINT JOHNS, FL 32259-4567
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2022	Warranty Deed, Transfer · Conventional Mortgage TD BANK NA
Nov 13, 2020	Loan Modification, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2022 · Amount on File
Deed Sale	Nov 7, 2022 · Amount on File
Prior Sale	Jun 5, 2015 · Amount on File
Deed Document Number	2022102881
Deed Book / Page	5661 / 821
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 7, 2022
Property Address	2109 ZACH TRACE CT, SAINT JOHNS, FL 32259-4567
Document Number	0056610821
Book / Page	5661 / 821
Map Reference	MB 45 PG 35-41
Instrument Date	Nov 7, 2022
Instrument	2022102881
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	NOT AVAILABLE, TRUSTED TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11247 SAN JOSE BLVD APT 803, 803, JACKSONVILLE, FL 32223-7268

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 ZACH TRACE CT, JACKSONVILLE, FL 32259-4567

Mortgage

Document Number	0005661823
Date	Nov 7, 2022
Instrument	5661/823

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	2109 ZACH TRACE CT, SAINT JOHNS, FL 32259-4567
Document Number	0051470983
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Jan 27, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 ZACH TRACE CT ST JOHNS FL 322594567, ST JOHNS, FL 32259-4567

Mortgage

Document Number	0051470983
Date	Jan 8, 2021
Book Page	005147/000983
Instrument	2826

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2051

Interest

Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 2109 Zach Trace Ct was $7,195 with a homeowner's exemption, up 11.1% from the year before.

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$432,857 (-1.14%) Land $115,000 Building $317,857	$432,857 (-1.65%) Land $115,000 Building $317,857
2025	$7,195.00 (+11.05%) Homeowner's exemption	$437,862	$440,098 Land $125,000 Building $315,098
2024	$6,479.00 (-3.04%)
2023	$6,682.00 (+68.48%)	$422,989 (+70.64%)	$422,989 (+14.14%) Land $104,000 Building $318,989
2022	$3,966.00 Homeowner's exemption	$247,889	$370,591 Land $95,200 Building $275,391

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2109 Zach Trace Ct in Zone X, an area of minimal flood risk.

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 44 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	44 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.

Wildfire

Wildfire risk around 2109 Zach Trace Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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