413 Big Tree Rd, Ponte Vedra Beach, FL 32082 Property Records

St. Johns County property record for 413 Big Tree Rd, Ponte Vedra Beach, FL 32082

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 2,533 sqft · built 1998
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$539,000 (Sep 2019)
Tax Bill	$6,701 (2025)
Deeds & Mortgages	Aug 2019 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`068442-0130`

Property Details

APN / Parcel Number

Primary APN	`068442-0130`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,533 sqft Living Area
Gross Area	3,437 sqft
1st Floor Area	2,533 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Finished Screened Porch
Porch Area	340 sqft
Deck Area	Deck Area
Patio Area	592 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	413 BIG TREE RD
City	PONTE VEDRA BEACH
State	FL
Zip	32082-4142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	31/23-30 ODOMS MILL UNIT TWO PHASE I LOT 13 OR4801/1315
Legal Range	29E
Legal Township	04S
Legal Section	43
Legal Subdivision	ODOMS MILL UNIT 2 PHASE 1
Legal Phase	1
Legal Block	2
Legal Lot Number	13
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	PONTE VEDRA
Census Block Group	2
Census Block	2000
Census Tract	20706

Owner

413 Big Tree Rd is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	413 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4142
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
Aug 26, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Sep 25, 2019	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2019 · Amount on File
Deed Sale	Sep 25, 2019 · Amount on File
Deed Document Number	201971348
Deed Book / Page	4801 / 1315
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	413 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4142
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047840495
Date	Aug 26, 2019
Book Page	4784/0495
Instrument	2019062911

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 7, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	413 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4142
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4142

Mortgage

Document Number	0050790761
Date	Oct 23, 2020
Book Page	5079/761
Instrument	2020094584

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 25, 2019
Property Address	413 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4142
Document Number	0048011315
Book / Page	4801 / 1315
Map Reference	MB 31 PG 23-30
Instrument Date	Sep 20, 2019
Instrument	2019071348
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	PONTE VEDRA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,773.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	413 BIG TREE RD, 413, PONTE VEDRA BEACH, FL 32082-4142

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4142

Mortgage

Document Number	0048011317
Date	Sep 25, 2019
Instrument	4801/1317

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 413 Big Tree Rd was $6,701 with a homeowner's exemption, up 11.8% 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		$525,312 (+2.7%)	$759,645 (+1.43%) Land $175,000 Building $584,645
2025	$6,701.00 (+11.81%) Homeowner's exemption	$511,501	$748,920 Land $165,000 Building $583,920
2024	$5,993.00 (+1.92%)
2023	$5,880.00 (+2.64%) Homeowner's exemption	$482,608 (+3%)	$689,974 (+14.66%) Land $160,000 Building $529,974
2022	$5,729.00 Homeowner's exemption	$468,551	$601,752 Land $145,600 Building $456,152

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

Flood

FEMA maps place 413 Big Tree Rd in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 384 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	384 in force
Nearby Flood Claims	2 (2012–2017)
Most Recent Claim	Apr 2017 · other causes

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 413 Big Tree Rd 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	SJCU-PONTE VEDRA WS private · serves 15,565 people · EPA ID FL2554343
Water Source	Groundwater
Last State Inspection	Dec 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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