345 W Adelaide Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 345 W Adelaide Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,973 sqft · built 2013
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Mar 2016)
Tax Bill	$6,056 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009762-0270`

Property Details

APN / Parcel Number

Primary APN	`009762-0270`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,973 sqft Living Area
Gross Area	3,663 sqft
1st Floor Area	1,501 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	202 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	345 W ADELAIDE DR
City	ST JOHNS
State	FL
Zip	32259-6931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	60/58-78 ABERDEEN (DR HORTON-PHASE 1) LOT 27 OR4158/405
Legal Range	27E
Legal Township	05S
Legal Section	03
Legal Subdivision	ABERDEEN (DR HORTON-PHASE 1)
Legal Phase	1
Legal Block	1
Legal Lot Number	27
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1007
Census Tract	20809

Owner

345 W Adelaide Dr is owned and occupied by two individuals who bought it in March 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	345 W ADELAIDE DR, SAINT JOHNS, FL 32259-6931
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2016 · Amount on File
Deed Sale	Mar 4, 2016 · Amount on File
Prior Sale	Aug 28, 2013 · Amount on File
Deed Document Number	201613514
Deed Book / Page	4158 / 405
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	345 W ADELAIDE DR, SAINT JOHNS, FL 32259-6931
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 W ADELAIDE DR, ST JOHNS, FL 32259-6931

Mortgage

Document Number	0062930487
Date	Jan 23, 2026
Book Page	6293/487
Instrument	2026005629

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jan 15, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	345 W ADELAIDE DR, SAINT JOHNS, FL 32259-6931
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 W ADELAIDE DR, FRUIT COVE, FL 32259-6931

Mortgage

Document Number	0054591668
Date	Jan 3, 2022
Book Page	5459/1668
Instrument	2022000298

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 345 W Adelaide Dr was $6,056 with a homeowner's exemption, up 10.8% 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		$295,358 (+2.7%)	$454,762 (-4.14%) Land $110,000 Building $344,762
2025	$6,056.00 (+10.75%) Homeowner's exemption	$287,593 (+2.9%)	$474,390 (+0.09%) Land $110,000 Building $364,390
2024	$5,468.00 (+1.2%) Homeowner's exemption	$279,488 (+3%)	$473,951 (-1.64%) Land $115,000 Building $358,951
2023	$5,403.00 (+2.58%) Homeowner's exemption	$271,348 (+3%)	$481,849 (+15.27%) Land $104,000 Building $377,849
2022	$5,267.00 Homeowner's exemption	$263,445	$418,023 Land $84,000 Building $334,023

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

Flood

FEMA maps place 345 W Adelaide Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 55 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	55 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

Wildfire risk around 345 W Adelaide Dr is moderate, ranking above 45% 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 45% of the US · lower than 84% 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.

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 208 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

Cell Coverage

5G and 4G LTE (outdoors only)

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