St. Johns County property record for 281 Sternwheel Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,981 sqft · built 2008 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $862,500 (Nov 2025) |
| Tax Bill | $14,186 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer Nov 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000702-0010 |
| Primary APN | 000702-0010 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 20 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,981 sqft Living Area |
| Gross Area | 4,654 sqft |
| 1st Floor Area | 2,541 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete |
| 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 | 673 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 491 sqft |
| Patio Area | 236 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 281 STERNWHEEL DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 63/36-46 RIVERTOWN MAIN STREET DISTRICT SECTION 1 LOT 1 OR6263/231 & 6304/946 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 44 |
| Legal Subdivision | RIVERTOWN MAIN STREET DISTRICT SECTION 1 |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 20807 |
281 Sternwheel Dr is owned by a company that bought it in November 2025.
Source: St. Johns County records, as of July 20, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 281 STERNWHEEL DR, SAINT JOHNS, FL 32259-8603 |
| Owner Type | Company |
| Vesting | Life Tenant |
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 |
|---|---|
| Feb 12, 2026 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Nov 25, 2025 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2025 · Amount on File |
| Deed Sale | Nov 25, 2025 · Amount on File |
| Prior Sale | Jul 27, 2010 · Amount on File |
| Deed Document Number | 202596221 |
| Deed Book / Page | 6263 / 231 |
| Prior Transfer Date | Feb 28, 2024 |
| Prior Transfer Doc | 0059561639 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 12, 2026 |
| Property Address | 281 STERNWHEEL DR, SAINT JOHNS, FL 32259-8603 |
| Document Number | 0063040946 |
| Book / Page | 6304 / 946 |
| Map Reference | MB 63 PG 36 |
| Instrument Date | Jan 19, 2026 |
| Instrument | 2026012065 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 281 STERNWHEEL DR, ST JOHNS, FL 32259-8603 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 281 STERNWHEEL DR, ST JOHNS, FL 32259-8603 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 25, 2025 |
| Property Address | 281 STERNWHEEL DR, SAINT JOHNS, FL 32259-8603 |
| Document Number | 0062630231 |
| Book / Page | 6263 / 231 |
| Map Reference | MB 63 PG 36 |
| Instrument Date | Nov 20, 2025 |
| Instrument | 2025096221 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2025 |
| Title Company | SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TTL SV |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,037.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 870 GARRISON DR, SAINT AUGUSTINE, FL 32092-1016 |
| Name | Verified Name |
|---|---|
| Address | 281 STERNWHEEL DR, ST JOHNS, FL 32259-8603 |
| Document Number | 0006263233 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | 6263/233 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 281 STERNWHEEL DR, SAINT JOHNS, FL 32259-8603 |
| Document Number | 0044800218 |
| Book / Page | 004480 / 000218 |
| Instrument Date | Dec 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 281 STERNWHEEL DR ST JOHNS FL 322598603, ST JOHNS, FL 32259-8603 |
| Document Number | 0044800218 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 004480/000218 |
| Instrument | 86373 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2047 |
The 2025 property tax bill for 281 Sternwheel Dr was $14,186, up 64.9% 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 | $514,097 (-34.47%) | $696,372 (-11.23%) Land $125,000 Building $571,372 | |
| 2025 | $14,186.00 (+64.93%) | $784,469 (+69.29%) | $784,469 (+2.21%) Land $105,000 Building $679,469 |
| 2024 | $8,601.00 (+2.13%) Homeowner's exemption Widower's exemption | $463,387 (+3%) | $767,479 (+2.8%) Land $94,000 Building $673,479 |
| 2023 | $8,422.00 (+1.24%) Homeowner's exemption Widower's exemption | $449,890 (+3%) | $746,588 (+5.26%) Land $94,000 Building $652,588 |
| 2022 | $8,319.00 Homeowner's exemption Widower's exemption | $436,786 | $709,301 Land $84,000 Building $625,301 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 281 Sternwheel Dr 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 281 Sternwheel Dr 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 80% of the US · lower than 93% 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.
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 305 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 |
| Verizon Fixed Wireless | 300 / 20 |
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