412 Tortoise Trce, Saint Johns, FL 32259 Property Records

St. Johns County property record for 412 Tortoise Trce, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,212 sqft · built 2000
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$478,500 (Jun 2020)
Tax Bill	$7,465 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Mar 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`249300-0240`

Property Details

APN / Parcel Number

Primary APN	`249300-0240`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	3,212 sqft Living Area
Gross Area	4,298 sqft
1st Floor Area	2,734 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
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	736 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	490 sqft
Porch	Finished Screened Porch
Porch Area	636 sqft
Deck Area	Deck Area
Patio Area	815 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 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 24 OR4963/176
Legal Range	27E
Legal Township	05S
Legal Section	04
Legal Subdivision	JULINGTON CREEK PLANTATION PARCEL 30
Legal Block	1
Legal Lot Number	24
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1000
Census Tract	20809

Owner

Source: St. Johns County records, as of June 17, 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 Record
Mailing Address	412 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK
Mar 12, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jun 12, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2020 · Amount on Record
Deed Sale	Jun 12, 2020 · Amount on Record
Prior Sale	Mar 14, 2001 · Amount on Record
Deed Document Number	202045815
Deed Book / Page	4963 / 176
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	412 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048540876
Date	Dec 23, 2019
Book Page	4854/0876
Instrument	2019096183

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	412 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049010880
Date	Mar 12, 2020
Book Page	4901/880
Instrument	2020020252

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 12, 2020
Property Address	412 TORTOISE TRCE, SAINT JOHNS, FL 32259-5458
Document Number	0049630176
Book / Page	004963 / 000176
Instrument Date	Jun 10, 2020
Instrument	45815
Transaction Type	Transfer
Record Updated	Jul 27, 2020
Title Company	SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE SE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,350.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 TORTOISE TRACE ST ST JOHNS FL 32259, ST JOHNS, FL 32259

Mortgage

Document Number	49630178
Date	Jun 12, 2020
Book Page	004963/000178
Instrument	45816

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2050

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		$470,227 (+2.7%)	$738,929 (+7.94%) Land $140,000 Building $598,929
2025	$7,465.00 (+11.04%) Homeowner's exemption	$457,865 (+2.9%)	$684,547 (+6.29%) Land $130,000 Building $554,547
2024	$6,723.00 (+6.77%) Homeowner's exemption	$444,961 (+3%)	$644,013 (+3.65%) Land $130,000 Building $514,013
2023	$6,297.00 (+2.21%) Homeowner's exemption	$432,001 (+3%)	$621,332 (+11.34%) Land $120,000 Building $501,332
2022	$6,161.00 Homeowner's exemption	$419,418	$558,074 Land $106,400 Building $451,674

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

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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