232 Sandy Cv, Saint Johns, FL 32259 Property Records

St. Johns County property record for 232 Sandy Cv, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,222 sqft · built 2021
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individuals on Record
Last Sale	$153,000 (Oct 2020)
Tax Bill	$10,652 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000711-0520`

Property Details

APN / Parcel Number

Primary APN	`000711-0520`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	3,222 sqft Living Area
Gross Area	4,322 sqft
1st Floor Area	3,222 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	34,412 sqft (0.79 acres)
Garage Type	Attached
Garage Area	1,100 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 SANDY CV
City	SAINT JOHNS
State	FL
Zip	32259-9125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	90/1-17 RIVERTOWN ESTATE LOTS PHASE 2 LOT 52 OR5084/419
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	RIVERTOWN ESTATE LOTS PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	52
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1013
Census Tract	20807

Owner

Source: St. Johns County assessment roll, 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 Individuals on Record
Mailing Address	232 SANDY CV, SAINT JOHNS, FL 32259-9125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Oct 29, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage REGIONS BANK
Aug 25, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2020 · Amount on Record
Deed Sale	Oct 29, 2020 · Amount on Record
Prior Sale	Aug 25, 2020 · Amount on Record
Deed Document Number	202096588
Deed Book / Page	5084 / 419
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	232 SANDY CV, SAINT JOHNS, FL 32259-9125
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 SANDY CV, ST JOHNS, FL 32259-9125

Mortgage

Document Number	0054820001
Date	Jan 31, 2022
Book Page	5482/1
Instrument	2022011142

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 29, 2020
Property Address	232 SANDY CV, SAINT JOHNS, FL 32259-9125
Document Number	0050840419
Book / Page	5084 / 419
Map Reference	MB 90 PG 1-17
Instrument Date	Sep 15, 2020
Instrument	2020096588
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 2, 2022
Title Company	COWFORD TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,071.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12276 SAN JOSE BLVD STE 120, 12276, JACKSONVILLE, FL 32223-8630

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 SANDY CV, SAINT JOHNS, FL 32259-9125

Mortgage

Document Number	0005084421
Date	Oct 29, 2020
Instrument	5084/421

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 25, 2020
Property Address	232 SANDY CV, SAINT JOHNS, FL 32259-9125
Document Number	0050241621
Book / Page	005024 / 001621
Instrument Date	Aug 21, 2020
Instrument	71299
Transaction Type	Transfer
Record Updated	Sep 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$931.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12276 SAN JOSE BLVD #120 JACKSONVILLE FL 322238630, 120, JACKSONVILLE, FL 32223-8630
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$826,621 (+2.7%)	$884,465 (+9.36%) Land $235,000 Building $649,465
2025	$10,652.00 (+11.33%) Homeowner's exemption	$804,889 (+2.9%)	$808,758 (+1.11%) Land $195,000 Building $613,758
2024	$9,568.00 (+1.85%) Homeowner's exemption	$782,205 (+3%)	$799,899 (+5.33%) Land $115,000 Building $684,899
2023	$9,394.00 (-10.15%) Homeowner's exemption	$759,422 (-9.36%)	$759,422 (-9.36%) Land $119,000 Building $640,422
2022	$10,455.00 Homeowner's exemption	$837,813	$837,813 Land $145,600 Building $692,213

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

Wildfire

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

Wildfire Risk	Moderate above 58% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% 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.

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 15 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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