43 Phillips Ave, Ponte Vedra Beach, FL 32082 Property Records

St. Johns County property record for 43 Phillips Ave, Ponte Vedra Beach, FL 32082

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,884 sqft · built 1999
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Jan 2007)
Tax Bill	$4,429 (2025)
Deeds & Mortgages	Feb 2017 Construction Loan Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`060260-0000`

Property Details

APN / Parcel Number

Primary APN	`060260-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,884 sqft Living Area
Gross Area	2,284 sqft
1st Floor Area	1,884 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	290 sqft
Porch	Finished/Open Porch
Porch Area	244 sqft
Deck Area	Deck Area
Patio Area	475 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	43 PHILLIPS AVE
City	PONTE VEDRA BEACH
State	FL
Zip	32082-2816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1D
Legal Description	5-40 ST JOHNS SEAVIEW PARK LOT 8 BLK 3 OR2845/300 & 4647/250(D/C) & 5932/26(D/C)
Legal Range	29E
Legal Township	03S
Legal Section	22
Legal Subdivision	ST. JOHNS SEAVIEW PARK REPLAT
Legal Block	3
Legal Lot Number	8
Jurisdiction	ST JOHNS FL
Township / Civil Division	PONTE VEDRA
Census Block Group	1
Census Block	1004
Census Tract	20710

Owner

43 Phillips Ave is owned and occupied by two individuals who bought it in January 2007.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	43 PHILLIPS AVE, PONTE VEDRA BEACH, FL 32082-2816
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
Feb 22, 2017	Deed of Trust, Mortgage · Construction Mortgage WHITNEY BANK
Mar 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage HANCOCK WHITNEY BK
Feb 1, 2018	Loan Modification, Mortgage · Conventional Mortgage HANCOCK BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2007 · Amount on File
Deed Sale	Jan 4, 2007 · Amount on File
Deed Document Number	2007666
Deed Book / Page	2845 / 300
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	43 PHILLIPS AVE, PONTE VEDRA BEACH, FL 32082-2816
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043340285
Date	Feb 22, 2017
Book Page	4334/0285
Instrument	2017012571

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39502

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2032

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	43 PHILLIPS AVE, PONTE VEDRA BEACH, FL 32082-2816
Document Number	0049120091
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 PHILLIPS AVE PONTE VEDRA BEACH FL 320822816, PONTE VEDRA BEACH, FL 32082-2816

Mortgage

Document Number	0049120091
Date	Mar 30, 2020
Book Page	004912/000091
Instrument	24955

Lender

Name	HANCOCK WHITNEY BK
Address	GULFPORT, MS 39502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2050

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	43 PHILLIPS AVE, PONTE VEDRA BEACH, FL 32082-2816
Document Number	0045061461
Instrument Date	Feb 1, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 PHILLIPS AVE PONTE VEDRA BEACH FL 320822816, PONTE VEDRA BEACH, FL 32082-2816

Mortgage

Document Number	0045061461
Date	Feb 23, 2018
Book Page	004506/001461
Instrument	12026

Lender

Name	HANCOCK BK
Type	Bank
Address	NEW ORLEANS, LA 70122

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 22, 2033

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 43 Phillips Ave was $4,429 with a homeowner's exemption, up 12.4% 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		$346,708 (+2.7%)	$1,162,100 (+2.62%) Land $630,000 Building $532,100
2025	$4,429.00 (+12.35%) Homeowner's exemption	$337,593 (+2.9%)	$1,132,463 (+17.73%) Land $630,000 Building $502,463
2024	$3,942.00 (+2.05%) Homeowner's exemption	$328,079 (+3%)	$961,907 (+14.33%) Land $504,000 Building $457,907
2023	$3,863.00 (+2.74%) Homeowner's exemption	$318,523 (+3%)	$841,363 (+15.95%) Land $378,000 Building $463,363
2022	$3,760.00 Homeowner's exemption	$309,246	$725,608 Land $282,240 Building $443,368

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

Flood

FEMA maps place 43 Phillips Ave in Zone X, an area of minimal flood risk, though there have been 89 flood claims nearby since 1979.

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 469 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	543 units insured incl. 74 condo units
Nearby Flood Claims	89 (1979–2023)
Claims Outside the SFHA	47 of 89
Most Recent Claim	Oct 2023 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 24 claims Hurricane Matthew, Oct 2016 · 20 claims Tropical Storm Fay, Aug 2008 · 3 claims

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 43 Phillips Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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: PONTE VEDRA GRID private · serves 5,395 people · EPA ID FL2550908
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-PONTE VEDRA WS
Lead	Under 1 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 176 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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