St. Johns County property record for 404 Tortoise Trce, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,491 sqft · built 2002 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Jun 2018) |
| Tax Bill | $5,739 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Aug 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 249300-0220 |
| Primary APN | 249300-0220 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,491 sqft Living Area |
| Gross Area | 3,267 sqft |
| 1st Floor Area | 2,491 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Attached |
| Garage Area | 776 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 194 sqft |
| Deck Area | Deck Area |
| Patio Area | 661 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 404 TORTOISE TRCE |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-5458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 38/1-7 JULINGTON CREEK PLANTATION PARCEL 30 LOT 22 OR4562/1166 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 04 |
| Legal Subdivision | JULINGTON CREEK PLANTATION PARCEL 30 |
| Legal Block | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20809 |
Source: St. Johns County records · APN 249300-0220
Assessment roll updated April 13, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2026 | Deed of Trust, Mortgage · Commercial Mortgage LIVE OAK BANKING COMPANY |
| Aug 24, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Dec 02, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 13, 2018 | Warranty Deed, Transfer · VA Mortgage JET HOMELOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 13, 2018 · Amount on Record |
| Deed Sale | Jun 13, 2018 · Amount on Record |
| Prior Sale | May 01, 2003 · Amount on Record |
| Deed Document Number | 201841240 |
| Deed Book / Page | 4562 / 1166 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 404 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 404 TORTOISE TRCE, ST JOHNS, FL 32259-5458 |
| Document Number | 0063331700 |
|---|---|
| Date | Mar 31, 2026 |
| Book Page | 6333/1700 |
| Instrument | 2026026977 |
| Name | LIVE OAK BANKING COMPANY |
|---|---|
| Type | Bank |
| Address | WILMINGTON, NC 28403 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Mar 25, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 404 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050240752 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 5024/752 |
| Instrument | 2020071116 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Sep 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 404 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0048400544 |
|---|---|
| Date | Dec 02, 2019 |
| Book Page | 4840/0544 |
| Instrument | 2019089520 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Sep 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 13, 2018 |
| Property Address | 404 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458 |
| Document Number | 0045621166 |
| Book / Page | 4562 / 1166 |
| Map Reference | MB38 PG1-7 |
| Instrument Date | Jun 06, 2018 |
| Instrument | 2018041240 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | SHEFFIELD & BOATRIGHT TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6369 PUTNAM ST, 6369, SAINT AUGUSTINE, FL 32080-7661 |
| Name | Verified Name |
|---|---|
| Address | 404 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458 |
| Document Number | 2018041241 |
|---|---|
| Date | Jun 13, 2018 |
| Instrument | 2018041241 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Jul 01, 2046 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $338,655 (+2.7%) | $557,610 (+10.31%) Land $140,000 Building $417,610 | |
| 2025 | $5,739.00 (+11.18%) Homeowner's exemption | $329,752 (+2.9%) | $505,501 (+8%) Land $130,000 Building $375,501 |
| 2024 | $5,162.00 (+8.38%) Homeowner's exemption | $320,459 (+3%) | $468,072 (+4.23%) Land $130,000 Building $338,072 |
| 2023 | $4,763.00 (+2.23%) Homeowner's exemption | $311,125 (+3%) | $449,080 (+9.15%) Land $120,000 Building $329,080 |
| 2022 | $4,659.00 Homeowner's exemption | $302,063 | $411,438 Land $106,400 Building $305,038 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 55 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 55 in force |
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 195 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | JEA MAJOR GRID serves 826,664 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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