St. Johns County property record for 36 Lochnagar Mountain Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,601 sqft · built 2016 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Nov 2023) |
| Tax Bill | $7,575 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Nov 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009762-7720 |
| Primary APN | 009762-7720 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,601 sqft Living Area |
| Gross Area | 3,141 sqft |
| 1st Floor Area | 1,081 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 36 LOCHNAGAR MOUNTAIN DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-6672 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 78/1-9 ABERDEEN (DR HORTON-PHASE 2A) LOT 772 OR5855/1426 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 09 |
| Legal Subdivision | ABERDEEN (DR HORTON-PHASE 2A) |
| Legal Phase | 2A |
| Legal Block | 1 |
| Legal Lot Number | 772 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 20810 |
36 Lochnagar Mountain Dr is owned and occupied by an individual who bought it in November 2023.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 36 LOCHNAGAR MOUNTAIN DR, SAINT JOHNS, FL 32259-6672 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
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 19, 2026 | Deed of Trust, Mortgage · VA Mortgage FUTURE FINANCIAL LLC |
| Nov 13, 2023 | Warranty Deed, Transfer · VA Mortgage EMM LOANS LLC |
| May 14, 2018 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| May 12, 2020 | Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS |
| Feb 2, 2017 | Corporation Deed, Transfer · ARM ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 13, 2023 · Amount on File |
| Deed Sale | Nov 13, 2023 · Amount on File |
| Prior Sale | Feb 2, 2017 · Amount on File |
| Deed Document Number | 202388839 |
| Deed Book / Page | 5855 / 1426 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 36 LOCHNAGAR MOUNTAIN DR, SAINT JOHNS, FL 32259-6672 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2026 |
| Name | Verified Name |
|---|---|
| Address | 36 LOCHNAGAR MOUNTAIN DR, SAINT JOHNS, FL 32259-6672 |
| Document Number | 0063081405 |
|---|---|
| Date | Feb 19, 2026 |
| Book Page | 6308/1405 |
| Instrument | 2026014068 |
| Name | FUTURE FINANCIAL LLC |
|---|---|
| Address | JACKSONVILLE BEACH, FL 32250 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 13, 2023 |
| Property Address | 36 LOCHNAGAR MOUNTAIN DR, SAINT JOHNS, FL 32259-6672 |
| Document Number | 0058551426 |
| Book / Page | 5855 / 1426 |
| Map Reference | MB 78 PG 1-9 |
| Instrument Date | Nov 3, 2023 |
| Instrument | 2023088839 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1401 RIVERPLACE BLVD APT 1409, 1409, JACKSONVILLE, FL 32207-9088 |
| Name | Verified Name |
|---|---|
| Address | 36 LOCHNAGAR MOUNTAIN DR, SAINT JOHNS, FL 32259-6672 |
| Document Number | 0058551428 |
|---|---|
| Date | Nov 13, 2023 |
| Instrument | 5855///1428 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 36 LOCHNAGAR MOUNTAIN DR, SAINT JOHNS, FL 32259-6672 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0045460877 |
|---|---|
| Date | May 14, 2018 |
| Book Page | 4546/0877 |
| Instrument | 2018033020 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 36 LOCHNAGAR MOUNTAIN DR, SAINT JOHNS, FL 32259-6672 |
| Document Number | 0049441946 |
| Instrument Date | May 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 36 LOCHNAGAR MOUNTAIN DR ST JOHNS FL 322596672, ST JOHNS, FL 32259-6672 |
| Document Number | 0049441946 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 004944/001946 |
| Instrument | 38142 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 18, 2050 |
| Document Type | Corporation Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 2, 2017 |
| Property Address | 36 LOCHNAGAR MOUNTAIN DR, SAINT JOHNS, FL 32259-6672 |
| Document Number | 0043260212 |
| Book / Page | 4326 / 0212 |
| Map Reference | MB78 PG1-9 |
| Instrument Date | Jan 30, 2017 |
| Instrument | 2017008100 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084 |
| Name | Verified Name |
|---|---|
| Address | 36 LOCHNGE MON, PENSACOLA, FL 32559-0001 |
| Document Number | 0043260213 |
|---|---|
| Date | Feb 2, 2017 |
| Book Page | 4326/0213 |
| Instrument | 2017008101 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Type Change Date | Feb 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 5.5% |
| Max Rate At Change | 9.5% |
| Index | 1-Year LIBOR |
| Margin | 4 |
| Max Rate | 12.5% |
The 2025 property tax bill for 36 Lochnagar Mountain Dr was $7,575 with a homeowner's exemption, up 0.3% 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 | $407,909 (-4.78%) Land $95,000 Building $312,909 | $407,909 (-4.78%) Land $95,000 Building $312,909 | |
| 2025 | $7,575.00 (+0.28%) Homeowner's exemption | $428,381 | $428,381 Land $95,500 Building $332,881 |
| 2024 | $7,554.00 (+43.8%) | ||
| 2023 | $5,253.00 (+2.62%) Homeowner's exemption | $287,159 (+3%) | $448,625 (+19.61%) Land $95,500 Building $353,125 |
| 2022 | $5,119.00 Homeowner's exemption | $278,795 | $375,084 Land $95,200 Building $279,884 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 36 Lochnagar Mountain 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 risk around 36 Lochnagar Mountain Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 298 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures