St. Johns County property record for 270 Sapling Ter, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,913 sqft · built 2025 |
| Lot Size | 0.26 acres (11,325 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $828,490 (Jul 2025) |
| Tax Bill | $2,556 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jul 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 000690-2800 |
| Primary APN | 000690-2800 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,913 sqft Living Area |
| Gross Area | 3,544 sqft |
| 1st Floor Area | 2,913 sqft |
| Flooring | Carpet |
| 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 | 631 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 347 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 270 SAPLING TER |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8564 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 122/28-37 BARTRAM RANCH PHASE 5 LOT 280 OR6179/1579 |
| Legal Subdivision | BARTRAM RANCH PHASE 5 |
| Legal Block | 1 |
| Legal Lot Number | 280 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20807 |
Source: St. Johns County records · APN 000690-2800
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 | 270 SAPLING TER, SAINT JOHNS, FL 32259-8564 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BARRETT FINANCIAL GROUP LLC |
| Jul 07, 2025 | Special Warranty Deed, Transfer · Conventional Mortgage TOLL BROTHERS MORTGAGE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 07, 2025 · Amount on Record |
| Deed Sale | Jul 07, 2025 · Amount on Record |
| Deed Document Number | 202553382 |
| Deed Book / Page | 6179 / 1579 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 270 SAPLING TER, SAINT JOHNS, FL 32259-8564 |
| Transaction Type | Mortgage |
| Record Updated | Mar 04, 2026 |
| Name | Verified Name |
|---|---|
| Address | 270 SAPLING TER, SAINT JOHNS, FL 32259-8564 |
| Document Number | 0063080636 |
|---|---|
| Date | Feb 19, 2026 |
| Book Page | 6308/636 |
| Instrument | 2026013863 |
| Name | BARRETT FINANCIAL GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANDLER, AZ 85286 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2041 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 07, 2025 |
| Property Address | 270 SAPLING TER, SAINT JOHNS, FL 32259-8564 |
| Document Number | 0061791579 |
| Book / Page | 6179 / 1579 |
| Map Reference | MB 122 PG 28 |
| Instrument Date | Jun 27, 2025 |
| Instrument | 2025053382 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | WESTMINSTER TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,799.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1140 VIRGINIA DR, FORT WASHINGTON, PA 19034-3204 |
| Name | Verified Name |
|---|---|
| Address | 270 SAPLING TER, SAINT JOHNS, FL 32259-8564 |
| Document Number | 0061791581 |
|---|---|
| Date | Jul 07, 2025 |
| Instrument | 6179/1581 |
| Name | TOLL BROTHERS MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2055 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $655,513 (+297.28%) Land $195,000 Building $460,513 | $655,513 (+297.28%) Land $195,000 Building $460,513 | |
| 2025 | $2,556.00 (+191.45%) | $165,000 (+135.71%) | $165,000 (+135.71%) Land $165,000 |
| 2024 | $877.00 | $70,000 | $70,000 Land $70,000 |
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
| 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 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.
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.
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 |
| 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.
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