411 Narrowleaf Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 411 Narrowleaf Dr, Saint Johns, FL 32259 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,062 sqft · built 2020
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (May 2026)
Tax Bill	$6,205 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`000713-2340`

Property Details

APN / Parcel Number

Primary APN	`000713-2340`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,062 sqft Living Area
Gross Area	2,563 sqft
1st Floor Area	813 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	501 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	411 NARROWLEAF DR
City	SAINT JOHNS
State	FL
Zip	32259-9176
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	95/7-14 RIVERTOWN PARCEL 23 PHASE 2 LOT 234 OR4957/1688
Legal Range	27E
Legal Township	05S
Legal Section	39
Legal Subdivision	RIVERTOWN PARCEL 23 PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	234
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1037
Census Tract	20807

Owner

Source: St. Johns County records · APN 000713-2340

Assessment roll updated April 13, 2026 · Last verified June 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	411 NARROWLEAF DR, SAINT JOHNS, FL 32259-9176
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY FIRST CREDIT UNION OF FLORIDA
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
May 29, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 05, 2020	Special Warranty Deed, Transfer · VA Mortgage MATTAMY HOME FUNDING LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Jun 05, 2020 · Amount on Record
Deed Document Number	202643815
Deed Book / Page	6368 / 672
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	411 NARROWLEAF DR, SAINT JOHNS, FL 32259-9176
Transaction Type	Mortgage
Record Updated	Jun 04, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 NARROWLEAF DR, ST JOHNS, FL 32259-9176
Investor	Possibly a Property Investor

Mortgage

Document Number	0063110089
Date	Feb 24, 2026
Book Page	6311/89
Instrument	2026015329

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 21, 2026
Property Address	411 NARROWLEAF DR, SAINT JOHNS, FL 32259-9176
Document Number	0000043815
Book / Page	6368 / 672
Instrument Date	May 15, 2026
Instrument	202643815
Transaction Type	Transfer
Record Updated	Jun 03, 2026
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$311,080.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 NARROWLEAF DR, SAINT JOHNS, FL 32259-9176

Mortgage

Document Number	0000043816,
Date	May 21, 2026
Instrument	202643816

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 29, 2020
Property Address	411 NARROWLEAF DR, SAINT JOHNS, FL 32259-9176
Document Number	0049511280
Book / Page	004951 / 001280
Instrument Date	May 27, 2020
Instrument	40861
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7800 BELFORT PKWY JACKSONVILLE FL 322566941, JACKSONVILLE, FL 32256-6941

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 05, 2020
Property Address	411 NARROWLEAF DR, SAINT JOHNS, FL 32259-9176
Document Number	0049571688
Book / Page	4957 / 1688
Map Reference	MB 95 PG 7-14
Instrument Date	May 26, 2020
Instrument	2020043419
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	SHEFFIELD & BOATRIGHT TTL SV

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,054.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7800 BELFORT PKWY, 7800, JACKSONVILLE, FL 32256-6941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 NARROWLEAF DR, ST JOHNS, FL 32259-9176

Mortgage

Document Number	49571689
Date	Jun 05, 2020
Instrument	4957/1689

Lender

Name	MATTAMY HOME FUNDING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2050

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$376,159 (+31.49%) Land $90,000 Building $286,159	$376,159 (+1.77%) Land $90,000 Building $286,159
2025	$6,205.00 (+9.96%) Homeowner's exemption	$286,085 (+5.99%)	$369,631 (-6.63%) Land $95,000 Building $274,631
2024	$5,643.00 (+2.15%)
2023	$5,524.00 (+1.98%) Homeowner's exemption	$269,924 (+3%)	$395,881 (+25.6%) Land $95,000 Building $300,881
2022	$5,417.00 Homeowner's exemption	$262,062	$315,199 Land $78,400 Building $236,799

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 121090208071, 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 189 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	189 in force
Nearby Flood Claims	4 (1997–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2017, rainfall accumulation, Hurricane Irma

Wildfire

Wildfire Risk	Low above 35% of the US · above 10% of Florida
Wildfire Likelihood	About 1 in 2,439 per year
Exposure	Indirect within ember reach

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 381 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Fiber	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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