St. Johns County property record for 408 Topside Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,482 sqft · built 2022 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $815,689 (Jun 2022) |
| Tax Bill | $12,225 (2025) |
| Deeds & Mortgages | Mar 2026 Second Mortgage Jun 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 023715-0840 |
| Primary APN | 023715-0840 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 21 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,482 sqft Living Area |
| Gross Area | 4,631 sqft |
| 1st Floor Area | 3,482 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 649 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 500 sqft |
| Patio Area | 396 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 408 TOPSIDE DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-2324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 87/13-21 TWIN CREEKS NORTH PARCEL 14 PHASE 1 LOT 84 OR5572/1131 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 10 |
| Legal Subdivision | TWIN CREEKS NORTH PARCEL 14 PHASE 1 |
| Legal Phase | 1 |
| Legal Lot Number | 84 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 20904 |
Source: St. Johns County records · APN 023715-0840
Assessment roll updated April 13, 2026 · Last verified April 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 | 408 TOPSIDE DR, SAINT JOHNS, FL 32259-2324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 03, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA |
| Jun 03, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Sep 29, 2020 | Loan Modification, Mortgage FLAGSTAR BK |
| Aug 31, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 03, 2022 · Amount on Record |
| Deed Sale | Jun 03, 2022 · Amount on Record |
| Deed Document Number | 202256304 |
| Deed Book / Page | 5572 / 1131 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 408 TOPSIDE DR, SAINT JOHNS, FL 32259-2324 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 408 TOPSIDE DR, SAINT JOHNS, FL 32259-2324 |
| Document Number | 0063161224 |
|---|---|
| Date | Mar 03, 2026 |
| Book Page | 6316/1224 |
| Instrument | 2026018141 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 01, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 03, 2022 |
| Property Address | 408 TOPSIDE DR, SAINT JOHNS, FL 32259-2324 |
| Document Number | 0055721131 |
| Book / Page | 5572 / 1131 |
| Map Reference | MB 87 PG 13-21 |
| Instrument Date | May 27, 2022 |
| Instrument | 2022056304 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,709.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 408 TOPSIDE DR, ST JOHNS, FL 32259-2324 |
| Document Number | 0055721133 |
|---|---|
| Date | Jun 03, 2022 |
| Instrument | 5572/1133 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jun 01, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 10% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 408 TOPSIDE DR, SAINT JOHNS, FL 32259-2324 |
| Document Number | 0050581968 |
| Instrument Date | Sep 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 408 TOPSIDE DR ST JOHNS FL 322592324, ST JOHNS, FL 32259-2324 |
| Document Number | 0050581968 |
|---|---|
| Date | Oct 01, 2020 |
| Book Page | 005058/001968 |
| Instrument | 85730 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Sep 30, 2021 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 31, 2018 |
| Property Address | 408 TOPSIDE DR, SAINT JOHNS, FL 32259-2324 |
| Document Number | 0046060027 |
| Book / Page | 004606 / 000027 |
| Instrument Date | Aug 08, 2018 |
| Instrument | 63663 |
| Transaction Type | Transfer |
| Record Updated | Feb 04, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $23,100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742 |
| Investor | Possibly a Property Investor |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $574,403 (+2.7%) | $855,678 (+0.6%) Land $210,000 Building $645,678 | |
| 2025 | $12,225.00 (+9.78%) Homeowner's exemption | $559,302 (+7.98%) | $850,551 (+18.24%) Land $185,000 Building $665,551 |
| 2024 | $11,136.00 (+2.13%) Homeowner's exemption | $517,977 (+3%) | $719,345 (+3.04%) Land $160,000 Building $559,345 |
| 2023 | $10,904.00 (+66.55%) Homeowner's exemption | $502,890 (+259.21%) | $698,153 (+398.68%) Land $160,000 Building $538,153 |
| 2022 | $6,547.00 | $140,000 | $140,000 Land $140,000 |
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 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 in force |
| Wildfire Risk | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 142 locations within half a mile of this property.
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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