St. Johns County property record for 296 Ruskin Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,630 sqft · built 2020 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,922 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000713-1360 |
| Primary APN | 000713-1360 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,630 sqft Living Area |
| Gross Area | 2,090 sqft |
| 1st Floor Area | 1,630 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 5,227 sqft (0.12 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 296 RUSKIN DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-9321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 99/81-88 RIVERTOWN PARCEL 23 PHASE 3 LOT 136 OR5114/1941 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 39 |
| Legal Subdivision | RIVERTOWN PARCEL 23 PHASE 3 |
| Legal Phase | 3 |
| Legal Block | 1 |
| Legal Lot Number | 136 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 20807 |
296 Ruskin Dr is owned and occupied by two individuals.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 296 RUSKIN DR, SAINT JOHNS, FL 32259-9321 |
| 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.
| Date | Document |
|---|---|
| Dec 12, 2022 | Deed of Trust, Mortgage · Line of Credit COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| Nov 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 3, 2020 | Special Warranty Deed, Transfer · FHA Mortgage MATTAMY HOME FUNDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 296 RUSKIN DR, SAINT JOHNS, FL 32259-9321 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 296 RUSKIN DR, ST JOHNS, FL 32259-9321 |
| Document Number | 0056780678 |
|---|---|
| Date | Dec 12, 2022 |
| Book Page | 5678/678 |
| Instrument | 2022111751 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 28, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 296 RUSKIN DR, SAINT JOHNS, FL 32259-9321 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 296 RUSKIN DR, SAINT JOHNS, FL 32259-9321 |
| Document Number | 0054170780 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 5417/780 |
| Instrument | 2021122752 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 3, 2020 |
| Property Address | 296 RUSKIN DR, SAINT JOHNS, FL 32259-9321 |
| Document Number | 0051141941 |
| Book / Page | 5114 / 1941 |
| Map Reference | MB 99 PG 81-88 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 2020109987 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2022 |
| Title Company | SHEFFIELD & BOATRIGHT TTL SV |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,048.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7800 BELFORT PKWY, 7800, JACKSONVILLE, FL 32256-6941 |
| Name | Verified Name |
|---|---|
| Address | 296 RUSKIN DR, SAINT JOHNS, FL 32259-9321 |
| Document Number | 0051141942 |
|---|---|
| Date | Dec 3, 2020 |
| Instrument | 5114/1942 |
| Name | MATTAMY HOME FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 296 Ruskin Dr was $5,922 with a homeowner's exemption, up 9.9% 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 | $269,551 (+2.7%) | $346,780 (+1.72%) Land $90,000 Building $256,780 | |
| 2025 | $5,922.00 (+9.87%) Homeowner's exemption | $262,464 (+2.9%) | $340,904 (-2.07%) Land $95,000 Building $245,904 |
| 2024 | $5,390.00 (+2.16%) Homeowner's exemption | $255,067 (+3%) | $348,121 (-4.38%) Land $95,000 Building $253,121 |
| 2023 | $5,276.00 (-7.67%) Homeowner's exemption | $247,638 (-12.36%) | $364,053 (+6.96%) Land $95,000 Building $269,053 |
| 2022 | $5,714.00 Homeowner's exemption | $282,564 | $340,367 Land $78,400 Building $261,967 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 296 Ruskin Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 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 296 Ruskin Dr is moderate, ranking above 50% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 381 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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