322 Waterfront Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 322 Waterfront Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,795 sqft · built 2013
Lot Size	0.25 acres (10,890 sqft)
Owner	Trust Name on File
Last Sale	$343,010 (Dec 2013)
Tax Bill	$8,228 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`000706-1500`

Property Details

APN / Parcel Number

Primary APN	`000706-1500`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	3,795 sqft Living Area
Gross Area	4,637 sqft
1st Floor Area	1,562 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	626 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	322 WATERFRONT DR
City	SAINT JOHNS
State	FL
Zip	32259-8656
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	67/8-13 RIVERTOWN LAKES 2 LOT 150 OR3956/1639
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	RIVERTOWN LAKES 2
Legal Block	1
Legal Lot Number	150
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1028
Census Tract	20807

Owner

322 Waterfront Dr is owner-occupied and held in a trust since November 2014.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	Trust Name on File
Mailing Address	322 WATERFRONT DR, SAINT JOHNS, FL 32259-8656
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2013 · Amount on File
Deed Sale	Dec 3, 2013 · Amount on File
Prior Sale	May 9, 2013 · Amount on File
Deed Document Number	201378278
Deed Book / Page	3820 / 144
Last Transfer Date	Nov 17, 2014
Transfer Doc	0039561639
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	322 WATERFRONT DR, SAINT JOHNS, FL 32259-8656
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048600770
Date	Jan 3, 2020
Book Page	4860/0770
Instrument	2020000498

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 322 Waterfront Dr was $8,228 with a homeowner's exemption, up 1% from the year before.

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		$374,399 (+2.7%)	$587,859 (-16.13%) Land $150,000 Building $437,859
2025	$8,228.00 (+10.04%) Homeowner's exemption	$364,556	$700,881 Land $160,000 Building $540,881
2024	$7,477.00 (+2.33%)
2023	$7,307.00 (+1.88%) Homeowner's exemption	$343,963 (+3%)	$680,628 (+11%) Land $120,000 Building $560,628
2022	$7,172.00 Homeowner's exemption	$333,945	$613,203 Land $117,600 Building $495,603

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

Flood

FEMA maps place 322 Waterfront 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

Wildfire risk around 322 Waterfront Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% 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 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