38 Spey Bay Ct, Saint Johns, FL 32259 Property Records

St. Johns County property record for 38 Spey Bay Ct, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,432 sqft · built 2020
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Sep 2021)
Tax Bill	$8,280 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009762-8700`

Property Details

APN / Parcel Number

Primary APN	`009762-8700`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,432 sqft Living Area
Gross Area	2,894 sqft
1st Floor Area	2,432 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	153 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	38 SPEY BAY CT
City	SAINT JOHNS
State	FL
Zip	32259-6684
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	95/46-54 ABERDEEN DR HORTON PHASE 4 LOT 870 OR5380/1244
Legal Range	27E
Legal Township	05S
Legal Section	09
Legal Subdivision	ABERDEEN (DR HORTON PHASE 4)
Legal Phase	4
Legal Block	1
Legal Lot Number	870
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1029
Census Tract	20810

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	18403 MACLAREN ST, LA PUENTE, CA 91744-6042
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
Jul 16, 2020	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 29, 2021 · Amount on Record
Deed Sale	Sep 29, 2021 · Amount on Record
Prior Sale	Jul 16, 2020 · Amount on Record
Deed Document Number	2021106224
Deed Book / Page	5380 / 1244
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 29, 2021
Property Address	38 SPEY BAY CT, SAINT JOHNS, FL 32259-6684
Document Number	0053801244
Book / Page	5380 / 1244
Map Reference	MB 95 PG 46-54
Instrument Date	Sep 23, 2021
Instrument	2021106224
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	SHEFFIELD & BOATRIGHT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13050 GRAN BAY PKWY UNIT 405, 13050, JACKSONVILLE, FL 32258-4517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18403 MACLAREN ST, LA PUENTE, CA 91744-6042

Mortgage

Document Number	53801246
Date	Sep 29, 2021
Instrument	5380/1246

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.74%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	4.74%
Max Rate At Change	6.74%
Index	1-Year LIBOR
Max Rate	10.7%

July 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 16, 2020
Property Address	38 SPEY BAY CT, SAINT JOHNS, FL 32259-6684
Document Number	0049910254
Book / Page	4991 / 254
Map Reference	MB 95 PG 46-54
Instrument Date	Jul 14, 2020
Instrument	2020057378
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,387.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, 4220, ST JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SPEY BAY CT, SAINT JOHNS, FL 32259-6684

Mortgage

Document Number	4991255
Date	Jul 16, 2020
Instrument	4991/255

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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		$429,409 (-2.85%) Land $95,500 Building $333,909	$429,409 (-2.85%) Land $95,500 Building $333,909
2025	$8,280.00 (+8.65%)	$441,984 (-3.75%)	$441,984 (-3.75%) Land $100,000 Building $341,984
2024	$7,621.00 (-3.98%)
2023	$7,937.00 (+1.19%)	$459,223 (+1.51%)	$459,223 (+1.51%) Land $95,000 Building $364,223
2022	$7,844.00	$452,412	$452,412 Land $95,200 Building $357,212

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

Flood

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 Record 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

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 264 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
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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