St. Johns County property record for 409 Shetland Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,814 sqft · built 2016 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $244,990 (May 2016) |
| Tax Bill | $5,079 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 009762-5080 |
| Primary APN | 009762-5080 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,814 sqft Living Area |
| Gross Area | 2,362 sqft |
| 1st Floor Area | 1,814 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 428 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 234 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 409 SHETLAND DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-6639 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 78/1-9 ABERDEEN (DR HORTON-PHASE 2A) LOT 508 OR4187/1267 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 09 |
| Legal Subdivision | ABERDEEN (DR HORTON-PHASE 2A) |
| Legal Phase | 2A |
| Legal Block | 1 |
| Legal Lot Number | 508 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 20810 |
409 Shetland Dr is owned and occupied by two individuals who bought it in May 2016.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 SHETLAND DR, SAINT JOHNS, FL 32259-6639 |
| 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.
| Date | Document |
|---|---|
| Jul 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Oct 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2016 · Amount on File |
| Deed Sale | May 6, 2016 · Amount on File |
| Prior Sale | Apr 1, 2016 · Amount on File |
| Deed Document Number | 201628007 |
| Deed Book / Page | 4187 / 1267 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 409 SHETLAND DR, SAINT JOHNS, FL 32259-6639 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 409 SHETLAND DR, SAINT JOHNS, FL 32259-6639 |
| Document Number | 0053061385 |
|---|---|
| Date | Jul 1, 2021 |
| Book Page | 5306/1385 |
| Instrument | 2021073228 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.49% |
| Type Change Date | Jul 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.49% |
| Index | Other |
| Max Rate | 7.49% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 409 SHETLAND DR, SAINT JOHNS, FL 32259-6639 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0048081414 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 4808/1414 |
| Instrument | 2019074423 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2025 property tax bill for 409 Shetland Dr was $5,079 with a homeowner's exemption, up 11% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $249,628 (+2.7%) | $346,867 (-1.75%) Land $95,000 Building $251,867 | |
| 2025 | $5,079.00 (+11.02%) Homeowner's exemption | $243,065 (+2.9%) | $353,031 (-1.02%) Land $95,500 Building $257,531 |
| 2024 | $4,575.00 (+1.24%) Homeowner's exemption | $236,215 (+3%) | $356,671 (-3.01%) Land $95,500 Building $261,171 |
| 2023 | $4,519.00 (+2.68%) Homeowner's exemption | $229,335 (+3%) | $367,741 (+18.25%) Land $95,500 Building $272,241 |
| 2022 | $4,401.00 Homeowner's exemption | $222,655 | $310,990 Land $95,200 Building $215,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Shetland Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 risk around 409 Shetland Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 298 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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