28 Spey Bay Ct, Saint Johns, FL 32259 Property Records

St. Johns County property record for 28 Spey Bay Ct, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,793 sqft · built 2020
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$289,990 (Jun 2020)
Tax Bill	$5,626 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`009762-8680`

Property Details

APN / Parcel Number

Primary APN	`009762-8680`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,793 sqft Living Area
Gross Area	2,235 sqft
1st Floor Area	1,793 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
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	442 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	217 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	28 SPEY BAY CT
City	SAINT JOHNS
State	FL
Zip	32259-6684
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	95/46-54 ABERDEEN DR HORTON PHASE 4 LOT 868 OR4977/312 & 5499/217(Q/C)
Legal Range	27E
Legal Township	05S
Legal Section	09
Legal Subdivision	ABERDEEN (DR HORTON PHASE 4)
Legal Phase	4
Legal Block	1
Legal Lot Number	868
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1029
Census Tract	20810

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	Individual Name on File
Mailing Address	28 SPEY BAY CT, SAINT JOHNS, FL 32259-6684
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Feb 22, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 30, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 30, 2020 · Amount on Record
Deed Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	202051769
Deed Book / Page	4977 / 312
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	28 SPEY BAY CT, SAINT JOHNS, FL 32259-6684
Transaction Type	Mortgage
Record Updated	Mar 22, 2022
Title Company	MILESTONE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 SPEY BAY CT, SAINT JOHNS, FL 32259-6684

Mortgage

Document Number	0055061686
Date	Mar 3, 2022
Book Page	5506/1686
Instrument	2022023352

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Feb 22, 2022
Property Address	28 SPEY BAY CT, SAINT JOHNS, FL 32259-6684
Document Number	0054990217
Book / Page	5499 / 217
Map Reference	MB 95 PG 46-54
Instrument Date	Feb 19, 2022
Instrument	2022019627
Transaction Type	Transfer
Record Updated	Mar 7, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 SPEY BAY CT, SAINT JOHNS, FL 32259-6684

June 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 30, 2020
Property Address	28 SPEY BAY CT, SAINT JOHNS, FL 32259-6684
Document Number	0049770312
Book / Page	4977 / 312
Map Reference	MB 95 PG 45-54
Instrument Date	Jun 26, 2020
Instrument	2020051769
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	28 SPEY BAY CT, SAINT JOHNS, FL 32259-6684

Mortgage

Document Number	4977313
Date	Jun 30, 2020
Instrument	4977/313

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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		$353,090 (+24.49%) Land $90,000 Building $263,090	$353,090 (-0.72%) Land $90,000 Building $263,090
2025	$5,626.00 (+10.99%) Homeowner's exemption	$283,638 (+5.99%)	$355,645 (-3.07%) Land $95,000 Building $260,645
2024	$5,069.00 (+1.28%)
2023	$5,005.00 (+2.65%) Homeowner's exemption	$267,616 (+3%)	$366,902 (+1.58%) Land $90,000 Building $276,902
2022	$4,876.00 Homeowner's exemption	$259,821	$361,186 Land $89,600 Building $271,586

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 181 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	181 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

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 264 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
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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