St. Johns County property record for 431 Sapling Ter, Saint Johns, FL 32259 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 6 Beds |
| Bathrooms | 5.5 Baths |
| Year Built | Built 2025 |
| Square Footage | 5,068 sqft Living Area |
| Lot Size | 10,890 sqft (0.25 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $1,264,136 (2025) |
| Tax Bill | $2,222.00 (2025) |
| Primary APN | 000690-2410 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Partial Baths | 1 Partial Baths |
| Plumbing Fixtures | 21 Plumbing Fixtures |
| Building Area | 5,068 sqft Living Area |
| Gross Area | 5,729 sqft Gross Area |
| 1st Floor | 3,063 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Concrete Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 10,890 sqft (0.25 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 661 sqft Garage |
| Porch Area | 288 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 431 SAPLING TER |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8565 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 122/28-37 BARTRAM RANCH PHASE 5 LOT 241 OR6275/1988 |
| Legal Subdivision | BARTRAM RANCH PHASE 5 |
| Legal Block | 1 |
| Legal Lot Number | 241 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | FRUIT COVE |
| Census Blockgroup | 1 |
| Census Block | 1005 |
| Census Tract | 20807 |
Source: St. Johns County records · APN 000690-2410
Assessment roll updated April 13, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 431 SAPLING TER, SAINT JOHNS, FL 32259-8565 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 18, 2025 · Amount on Record |
| Deed Sale | Dec 18, 2025 · Amount on Record |
| Deed Doc Number | 2025102748 |
| Deed Book / Page | 6275 / 1988 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 18, 2025 |
| Property Address | 431 SAPLING TER, SAINT JOHNS, FL 32259-8565 |
| Document Number | 0062751988 |
| Book / Page | 6275 / 1988 |
| Map Reference | MB 122 PG 28-37 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 2025102748 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | WESTMINSTER TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,849.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1140 VIRGINIA DR, FORT WASHINGTON, PA 19034-3204 |
| Name | Verified Name |
|---|---|
| Address | 431 SAPLING TER, SAINT JOHNS, FL 32259-8565 |
| Document Number | 0000062761 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 6276/1 |
| Name | CLIMATE FIRST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Number | 0062760025 |
|---|---|
| Date | Dec 18, 2025 |
| Book Page | 6276/25 |
| Instrument | 2025102750 |
| Name | CLIMATE FIRST BANK |
|---|---|
| Type | Bank |
| Address | WINTER PARK, FL 32789 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $984,341 (+496.57%) Land $195,000 Building $789,341 | $984,341 (+496.57%) Land $195,000 Building $789,341 | |
| 2025 | $2,222.00 (+153.36%) | $165,000 | $165,000 Land $165,000 |
| 2024 | $877.00 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 73% of the US · above 57% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 365 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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