408 Tortoise Trce, Saint Johns, FL 32259 Property Records

St. Johns County property record for 408 Tortoise Trce, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,937 sqft · built 2001
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on File
Last Sale	$353,300 (Mar 2018)
Tax Bill	$5,432 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`249300-0230`

Property Details

APN / Parcel Number

Primary APN	`249300-0230`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,937 sqft Living Area
Gross Area	4,029 sqft
1st Floor Area	2,937 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	707 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	668 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	408 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 23 OR4515/1072
Legal Range	27E
Legal Township	05S
Legal Section	04
Legal Subdivision	JULINGTON CREEK PLANTATION PARCEL 30
Legal Block	1
Legal Lot Number	23
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1000
Census Tract	20809

Owner

408 Tortoise Trce is owned and occupied by two individuals who bought it in March 2018.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	408 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2020	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Mar 13, 2018	Warranty Deed, Transfer VANGUARD TITLE & ESCROW LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2018 · Amount on File
Deed Sale	Mar 13, 2018 · Amount on File
Prior Sale	Aug 10, 2001 · Amount on File
Deed Document Number	201816715
Deed Book / Page	4515 / 1072
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	408 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458

Mortgage

Document Number	0050320875
Date	Sep 2, 2020
Book Page	5032/875
Instrument	2020074280

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 13, 2018
Property Address	408 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458
Document Number	0045151072
Book / Page	4515 / 1072
Map Reference	MB38 PG1-7
Instrument Date	Mar 9, 2018
Instrument	2018016715
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	VANGUARD TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11501 OLD ST, 11501, JACKSONVILLE, FL 32258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 TROUT RIVER DR, JACKSONVILLE, FL 32208-4292

Tax Assessment & Valuation

The 2025 property tax bill for 408 Tortoise Trce was $5,432 with a homeowner's exemption, up 11.2% from the year before.

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		$315,212 (+2.7%)	$575,104 (+11.55%) Land $140,000 Building $435,104
2025	$5,432.00 (+11.24%) Homeowner's exemption	$306,925 (+2.9%)	$515,572 (+6.43%) Land $130,000 Building $385,572
2024	$4,883.00 (+8.78%) Homeowner's exemption	$298,275 (+3%)	$484,410 (+4.66%) Land $130,000 Building $354,410
2023	$4,489.00 (+2.21%) Homeowner's exemption	$289,587 (+3%)	$462,850 (+8.72%) Land $120,000 Building $342,850
2022	$4,392.00 Homeowner's exemption	$281,152	$425,720 Land $106,400 Building $319,320

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

Flood

FEMA maps place 408 Tortoise Trce in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 55 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	55 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

Wildfire risk around 408 Tortoise Trce is low, with a 0.02% annual chance of wildfire.

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

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 195 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

Cell Coverage

5G (outdoors only) and 4G LTE

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