428 E Kesley Ln, Saint Johns, FL 32259 Property Records

St. Johns County property record for 428 E Kesley Ln, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,692 sqft · built 2006
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (Jun 2017)
Tax Bill	$10,395 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`249013-0610`

Property Details

APN / Parcel Number

Primary APN	`249013-0610`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Plumbing Fixtures	20 Plumbing Fixtures
Stories	2 Stories
Building Area	4,692 sqft Living Area
Gross Area	5,454 sqft
1st Floor Area	2,665 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
Garage Area	762 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	423 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	428 E KESLEY LN
City	SAINT JOHNS
State	FL
Zip	32259-6295
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/76-84 PLANTATION ESTATES AT JULINGTON CREEK PLANTATION PARCEL 82 PHASE 1 LOT 61 OR4395/1516
Legal Range	27E
Legal Township	04S
Legal Section	27
Legal Subdivision	PLANTATION ESTATES AT JULINGTON CREEK PL
Legal Phase	1
Legal Block	2
Legal Lot Number	61
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	2
Census Block	2000
Census Tract	20801

Owner

428 E Kesley Ln is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	428 E KESLEY LN, SAINT JOHNS, FL 32259-6295
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
Apr 20, 2021	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Jun 7, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Dec 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage TIAA FSB
Jun 28, 2017	Warranty Deed, Transfer · VA Mortgage TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2017 · Amount on File
Deed Sale	Jun 28, 2017 · Amount on File
Prior Sale	Dec 11, 2006 · Amount on File
Deed Document Number	201744413
Deed Book / Page	4395 / 1516
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	428 E KESLEY LN, SAINT JOHNS, FL 32259-6295
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 E KESLEY LN, SAINT JOHNS, FL 32259-6295
Investor	Possibly a Property Investor

Mortgage

Document Number	0052411646
Date	Apr 20, 2021
Book Page	5241/1646
Instrument	2021043557

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	428 E KESLEY LN, SAINT JOHNS, FL 32259-6295
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 E KESLEY LN, SAINT JOHNS, FL 32259-6295
Investor	Possibly a Property Investor

Mortgage

Document Number	0055731536
Date	Jun 7, 2022
Book Page	5573/1536
Instrument	2022056878

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	May 26, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	428 E KESLEY LN, SAINT JOHNS, FL 32259-6295
Document Number	0046671097
Instrument Date	Dec 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	428 E KESLEY LN ST JOHNS FL 322596295, ST JOHNS, FL 32259-6295

Mortgage

Document Number	0046671097
Date	Jan 15, 2019
Book Page	004667/001097
Instrument	3173

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 14, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 28, 2017
Property Address	428 E KESLEY LN, SAINT JOHNS, FL 32259-6295
Document Number	0043951516
Book / Page	004395 / 001516
Instrument Date	Jun 27, 2017
Instrument	44413
Transaction Type	Transfer
Record Updated	Jul 12, 2017
Title Company	AMERICAS CHOICE TITLE AGENCY, AMERICA'S CHOICE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	428 E KESLEY LN ST JOHNS FL 322596295, ST JOHNS, FL 32259-6295

Mortgage

Document Number	43951517
Date	Jun 28, 2017
Book Page	004395/001517
Instrument	44414

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 428 E Kesley Ln was $10,395 with a homeowner's exemption, up 20.9% 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		$693,684 (+2.7%)	$904,792 (-0.62%) Land $220,000 Building $684,792
2025	$10,395.00 (+20.89%) Homeowner's exemption	$675,447 (+13.61%)	$910,403 (+15.21%) Land $220,000 Building $690,403
2024	$8,599.00 (+5.64%) Homeowner's exemption	$594,506 (+3%)	$790,240 (+0.55%) Land $215,000 Building $575,240
2023	$8,140.00 (+2.2%) Homeowner's exemption	$577,190 (+3%)	$785,907 (-0.02%) Land $215,000 Building $570,907
2022	$7,965.00 Homeowner's exemption	$560,379	$786,051 Land $179,200 Building $606,851

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

Flood

FEMA maps place 428 E Kesley Ln in Zone X, an area of minimal flood risk.

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 File median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 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

Wildfire risk around 428 E Kesley Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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.

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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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