43 Tree Side Ln, Ponte Vedra Beach, FL 32081 Property Records

St. Johns County property record for 43 Tree Side Ln, Ponte Vedra Beach, FL 32081

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,490 sqft · built 2017
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$504,400 (Dec 2017)
Tax Bill	$8,590 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Sep 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`072252-0020`

Property Details

APN / Parcel Number

Primary APN	`072252-0020`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,490 sqft Living Area
Gross Area	3,318 sqft
1st Floor Area	2,490 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	556 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	338 sqft
Patio Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	43 TREE SIDE LN
City	PONTE VEDRA
State	FL
Zip	32081-5737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	81/1-10 RIVERWOOD BY DEL WEBB PHASE 3D UNIT 1 LOT 2 OR4483/1630
Legal Range	29E
Legal Township	05S
Legal Section	65
Legal Subdivision	RIVERWOOD BY DEL WEBB PHASE 3D UNIT 1
Legal Phase	3D
Legal Lot Number	2
Legal Unit	1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2010
Census Tract	20605

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	43 TREE SIDE LN, PONTE VEDRA, FL 32081-5737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Sep 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage TRADITION CAPITAL BANK
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Mar 14, 2019	Grant Deed, Subdivision Related Transfer PGP TITLE
Oct 22, 2018	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Dec 29, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2017 · Amount on Record
Deed Sale	Dec 29, 2017 · Amount on Record
Deed Document Number	201788031
Deed Book / Page	4483 / 1630
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	43 TREE SIDE LN, PONTE VEDRA, FL 32081-5737
Transaction Type	Mortgage
Record Updated	Mar 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 TREE SIDE LN, PONTE VEDRA, FL 32081-5737

Mortgage

Document Number	0055001990
Date	Feb 24, 2022
Book Page	5500/1990
Instrument	2022020549

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	43 TREE SIDE LN, PONTE VEDRA, FL 32081-5737
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047930326
Date	Sep 11, 2019
Book Page	4793/0326
Instrument	2019067232

Lender

Name	TRADITION CAPITAL BANK
Type	Bank
Address	MINNEAPOLIS, MN 55435

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	43 TREE SIDE LN, PONTE VEDRA, FL 32081-5737
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 TREE SIDE LN, PONTE VEDRA, FL 32081-5737

Mortgage

Document Number	0051380426
Date	Dec 30, 2020
Book Page	5138/426
Instrument	2020119514

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2046

March 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 14, 2019
Property Address	43 TREE SIDE LN, PONTE VEDRA, FL 32081-5737
Document Number	0046940682
Book / Page	004694 / 000682
Instrument Date	Mar 12, 2019
Instrument	17572
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 25, 2019
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Tax	$3,560.90
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 LANTERN OAK LN PONTE VEDRA BEACH FL 320810001, PONTE VEDRA BEACH, FL 32081-0001

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	43 TREE SIDE LN, PONTE VEDRA, FL 32081-5737
Document Number	0046330602
Instrument Date	Oct 22, 2018
Transaction Type	Mortgage
Record Updated	Nov 14, 2018
Title Company	VYSTAR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 TREE SIDE LN PONTE VEDRA FL 320815737, PONTE VEDRA, FL 32081-5737

Mortgage

Document Number	0046330602
Date	Oct 29, 2018
Book Page	004633/000602
Instrument	78116

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 28, 2028

Interest

Rate Type	Adjustable Rate

December 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 29, 2017
Property Address	43 TREE SIDE LN, PONTE VEDRA, FL 32081-5737
Document Number	0044831630
Book / Page	4483 / 1630
Map Reference	MB81 PG1-10
Instrument Date	Dec 27, 2017
Instrument	2017088031
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	PGP TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 JAMPTON CROSSING WAY ST, SAINT AUGUSTINE, FL 32092

Mortgage

Document Number	2017088032
Date	Dec 29, 2017
Instrument	2017088032

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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		$481,850 (+2.7%)	$572,732 (-6.67%) Land $125,000 Building $447,732
2025	$8,590.00 (+9.18%) Homeowner's exemption Widower's exemption	$469,182 (+5.99%)	$613,655 (-5.23%) Land $130,000 Building $483,655
2024	$7,868.00 (+1.35%)
2023	$7,763.00 (+1.08%) Homeowner's exemption Widower's exemption	$442,679 (+3%)	$647,536 (+9.81%) Land $130,000 Building $517,536
2022	$7,680.00 Homeowner's exemption Widower's exemption	$429,785	$589,687 Land $112,000 Building $477,687

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 926 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	926 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.2% 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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Fiber	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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