409 Tortoise Trce, Saint Johns, FL 32259 Property Records

St. Johns County property record for 409 Tortoise Trce, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,220 sqft · built 2001
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$580,000 (Jan 2022)
Tax Bill	$10,740 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`249300-0390`

Property Details

APN / Parcel Number

Primary APN	`249300-0390`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	3,220 sqft Living Area
Gross Area	4,230 sqft
1st Floor Area	2,772 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
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	480 sqft
Porch	Finished Screened Porch
Porch Area	408 sqft
Deck Area	Deck Area
Patio Area	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 TORTOISE TRCE
City	SAINT JOHNS
State	FL
Zip	32259-5460
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	38/1-7 JULINGTON CREEK PLANTATION PARCEL 30 LOT 39 OR5474/284
Legal Range	27E
Legal Township	05S
Legal Section	04
Legal Subdivision	JULINGTON CREEK PLANTATION PARCEL 30
Legal Block	1
Legal Lot Number	39
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1000
Census Tract	20809

Owner

Source: St. Johns County assessment roll, as of April 13, 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	409 TORTOISE TRCE, SAINT JOHNS, FL 32259-5460
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Sep 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 21, 2022 · Amount on Record
Deed Sale	Jan 21, 2022 · Amount on Record
Prior Sale	Dec 7, 2001 · Amount on Record
Deed Document Number	20227234
Deed Book / Page	5474 / 284
Prior Transfer Date	Jun 8, 2015
Prior Transfer Doc	0040570072
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 21, 2022
Property Address	409 TORTOISE TRCE, SAINT JOHNS, FL 32259-5460
Document Number	0054740284
Book / Page	5474 / 284
Map Reference	MB 38 PG 1
Instrument Date	Jan 18, 2022
Instrument	2022007234
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,060.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2612 WHATLEY AVE APT 13, 13, THUNDERBOLT, GA 31404-3359

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 TORTOISE TRCE, ST JOHNS, FL 32259-5460

Mortgage

Document Number	0005474286
Date	Jan 21, 2022
Instrument	5474/286

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	409 TORTOISE TRCE, SAINT JOHNS, FL 32259-5460
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044330457
Date	Sep 7, 2017
Book Page	4433/0457
Instrument	2017062058

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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		$708,329 (+6.95%) Land $140,000 Building $568,329	$708,329 (+6.95%) Land $140,000 Building $568,329
2025	$10,740.00 (+13.34%)	$662,301 (+5.98%)	$662,301 (+5.98%) Land $140,000 Building $522,301
2024	$9,476.00 (+5.77%)	$624,948 (+3.75%)	$624,948 (+3.75%) Land $140,000 Building $484,948
2023	$8,959.00 (+18.57%)	$602,378 (+10.63%)	$602,378 (+10.63%) Land $130,000 Building $472,378
2022	$7,556.00	$544,506	$544,506 Land $123,200 Building $421,306

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

Flood

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 Record 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

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

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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