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

St. Johns County property record for 433 Big Tree Rd, Ponte Vedra Beach, FL 32082

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,588 sqft · built 1998
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$912,800 (Apr 2026)
Tax Bill	$9,093 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`068442-0170`

Property Details

APN / Parcel Number

Primary APN	`068442-0170`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,588 sqft Living Area
Gross Area	3,580 sqft
1st Floor Area	1,414 sqft
Flooring	Wood
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
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Finished Screened Porch
Porch Area	326 sqft
Deck Area	Deck Area
Patio Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	433 BIG TREE RD
City	PONTE VEDRA BEACH
State	FL
Zip	32082-4143
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 17 OR5803/438 & 6014/929
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	17
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	PONTE VEDRA
Census Block Group	2
Census Block	2000
Census Tract	20706

Owner

433 Big Tree Rd is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	433 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Apr 22, 2026	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Apr 22, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Aug 2, 2023	Warranty Deed, Transfer PONTE VEDRA TITLE LLC
Aug 30, 2018	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2026 · Amount on File
Deed Sale	Apr 22, 2026 · Amount on File
Prior Sale	Aug 2, 2023 · Amount on File
Deed Document Number	202634418
Deed Book / Page	6349 / 406
Prior Transfer Date	Aug 26, 2024
Prior Transfer Doc	0060140929
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	433 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4143
Transaction Type	Mortgage
Record Updated	May 7, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4143

Mortgage

Document Number	0057100716
Date	Feb 17, 2023
Book Page	5710/716
Instrument	2023012443

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	9.5%
Type Change Date	Mar 1, 2028
Change Frequency	6 Months
Min Rate At Change	9.5%
Max Rate At Change	11.5%
Index	Other
Max Rate	14.5%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 22, 2026
Property Address	433 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4143
Document Number	0000034418
Book / Page	6349 / 406
Instrument Date	Apr 17, 2026
Instrument	2026.34418
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	PONTE VEDRA TITLE LLC, PONTE VEDRA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645,349.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4143

Mortgage

Document Number	0000034419,
Date	Apr 22, 2026
Instrument	2026..34419

Lender

Name	MOVEMENT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 22, 2026
Property Address	433 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4143
Document Number	0063490406
Book / Page	6349 / 406
Instrument Date	Apr 17, 2026
Instrument	202634418
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	PONTE VEDRA TITLE LLC, PONTE VEDRA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645,349.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4143

Mortgage

Document Number	0000034419,
Date	Apr 22, 2026
Instrument	202634419

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 2, 2023
Property Address	433 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4143
Document Number	0058030438
Book / Page	5803 / 438
Map Reference	MB 31 PG 23-30
Instrument Date	Jul 28, 2023
Instrument	2023060704
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	PONTE VEDRA TITLE LLC

Transaction

Amount	Amount on Record
Tax	$5,705.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 SPOONBILL CIR, SAINT AUGUSTINE, FL 32095-9065

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4143

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 30, 2018
Property Address	433 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4143
Document Number	0046050281
Book / Page	4605 / 0281
Map Reference	MB31 PG23-30
Instrument Date	Aug 27, 2018
Instrument	2018063277
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	HOME GUARD TITLE & TRUST LLC

Transaction

Amount	Amount on Record
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	185 PHEASANT ST, 185, LAKE LURE, NC 28746-7306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 BIG TREE RD PONTE VEDRA BCH, PONTE VEDRA BEACH, FL 32082

Mortgage

Document Number	2018063278
Date	Aug 30, 2018
Instrument	2018063278

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 433 Big Tree Rd was $9,093, up 11.5% 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		$707,735 (+2.7%)	$750,972 (+1.01%) Land $175,000 Building $575,972
2025	$9,093.00 (+11.46%) Homeowner's exemption	$689,129	$743,472 Land $165,000 Building $578,472
2024	$8,158.00 (+43.75%)
2023	$5,675.00 (+2.66%) Homeowner's exemption	$466,443 (+3%)	$674,306 (+15.14%) Land $160,000 Building $514,306
2022	$5,528.00 Homeowner's exemption	$452,857	$585,659 Land $145,600 Building $440,059

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 433 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 433 Big Tree Rd 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 65% of the US · lower than 91% 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	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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