406 Navigators Rd, Saint Johns, FL 32259 Property Records

St. Johns County property record for 406 Navigators Rd, Saint Johns, FL 32259 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,304 sqft · built 2023
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Apr 2026)
Tax Bill	$8,693 (2025)
Deeds & Mortgages	Jun 2025 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`009821-0550`

Property Details

APN / Parcel Number

Primary APN	`009821-0550`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,304 sqft Living Area
Gross Area	3,222 sqft
1st Floor Area	2,304 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	668 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	250 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 NAVIGATORS RD
City	SAINT JOHNS
State	FL
Zip	32259-6336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	112/39-54 MIDDLEBOURNE PHASE ONE LOT 55 OR5860/1822
Legal Subdivision	MIDDLEBOURNE PHASE ONE
Legal Block	1
Legal Lot Number	55
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1025
Census Tract	20810

Owner

Source: St. Johns County records · APN 009821-0550

Assessment roll updated April 13, 2026 · Last verified July 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	406 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage NBKC BANK
Apr 27, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK N A
Apr 27, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Nov 22, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST COAST MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 27, 2026 · Amount on Record
Deed Sale	Apr 27, 2026 · Amount on Record
Prior Sale	Nov 22, 2023 · Amount on Record
Deed Document Number	202635645
Deed Book / Page	6351 / 882
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	406 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336
Transaction Type	Mortgage
Record Updated	May 11, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336

Mortgage

Document Number	0061660821
Date	Jun 13, 2025
Book Page	6166/821
Instrument	2025046835

Lender

Name	NBKC BANK
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2040

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 27, 2026
Property Address	406 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336
Document Number	0000035645
Book / Page	6351 / 882
Instrument Date	Apr 21, 2026
Instrument	2026.35645
Transaction Type	Transfer
Record Updated	May 08, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$424,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336

Mortgage

Document Number	0000035646,
Date	Apr 27, 2026
Instrument	2026..35646

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 27, 2026
Property Address	406 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336
Document Number	0063510882
Book / Page	6351 / 882
Instrument Date	Apr 21, 2026
Instrument	202635645
Transaction Type	Transfer
Record Updated	Jul 06, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$424,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336

Mortgage

Document Number	0000035646,
Date	Apr 27, 2026
Book Page	6351/884
Instrument	202635646

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 22, 2023
Property Address	406 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336
Document Number	0058601822
Book / Page	5860 / 1822
Map Reference	MB 112 PG 39-54
Instrument Date	Nov 20, 2023
Instrument	2023091640
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 08, 2023
Title Company	TOWN SQUARE TITLE LIMITED, TOWN SQUARE TITLE LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,069.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	680 CROSSWATER PKWY, PONTE VEDRA, FL 32081-0768

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336

Mortgage

Document Number	0058601824
Date	Nov 22, 2023
Instrument	5860/1824

Lender

Name	FIRST COAST MORTGAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified July 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$539,152 (+2.64%) Land $125,000 Building $414,152	$539,152 (+2.64%) Land $125,000 Building $414,152
2025	$8,693.00 (+7.47%) Homeowner's exemption	$525,306 (+0.98%)	$525,306 (+0.98%) Land $125,000 Building $400,306
2024	$8,089.00 (+106.99%) Homeowner's exemption	$520,199 (+246.8%)	$520,199 (+246.8%) Land $125,000 Building $395,199
2023	$3,908.00	$150,000	$150,000 Land $150,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090208101, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 181 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	181 in force

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 39% of Florida
Wildfire Likelihood	About 1 in 588 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 77 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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