St. Johns County property record for 438 Waterfront Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,030 sqft · built 2012 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $370,000 (Apr 2021) |
| Tax Bill | $7,058 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000706-1220 |
| Primary APN | 000706-1220 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,030 sqft Living Area |
| Gross Area | 2,450 sqft |
| 1st Floor Area | 2,030 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 411 sqft |
| Patio Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 438 WATERFRONT DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 67/8-13 RIVERTOWN LAKES 2 LOT 122 OR5241/751 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 44 |
| Legal Subdivision | RIVERTOWN LAKES 2 |
| Legal Block | 1 |
| Legal Lot Number | 122 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 20807 |
438 Waterfront Dr is owner-occupied and held in a trust since May 2026.
Source: St. Johns County records, as of July 2, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 438 WATERFRONT DR, SAINT JOHNS, FL 32259-8667 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 18, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP |
| Mar 26, 2018 | Loan Modification, Mortgage · Conventional Mortgage WFB NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2021 · Amount on File |
| Deed Sale | Apr 19, 2021 · Amount on File |
| Prior Sale | Jul 26, 2012 · Amount on File |
| Deed Document Number | 202143323 |
| Deed Book / Page | 5241 / 751 |
| Last Transfer Date | May 21, 2026 |
| Transfer Doc | 0063860479 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 18, 2026 |
| Property Address | 438 WATERFRONT DR, SAINT JOHNS, FL 32259-8667 |
| Document Number | 0063860479 |
| Book / Page | 6386 / 479 |
| Instrument Date | May 21, 2026 |
| Instrument | 202652501 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 438 WATERFRONT DR, SAINT JOHNS, FL 32259-8667 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 19, 2021 |
| Property Address | 438 WATERFRONT DR, SAINT JOHNS, FL 32259-8667 |
| Document Number | 0052410751 |
| Book / Page | 5241 / 751 |
| Map Reference | MB 67 PG 8 |
| Instrument Date | Apr 19, 2021 |
| Instrument | 2021043323 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | VICTORY TITLE, VICTORY TTL OF ST JOHNS CNTY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1205 STATE ROAD 16, ST AUGUSTINE, FL 32084-8548 |
| Name | Verified Name |
|---|---|
| Address | 438 WATERFRONT DR, JACKSONVILLE, FL 32259-8667 |
| Document Number | 0005241752 |
|---|---|
| Date | Apr 19, 2021 |
| Instrument | 5241/752 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 438 WATERFRONT DR, SAINT JOHNS, FL 32259-8667 |
| Document Number | 0045341808 |
| Instrument Date | Mar 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 438 WATERFRONT DR ST JOHNS FL 322598667, ST JOHNS, FL 32259-8667 |
| Document Number | 0045341808 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 004534/001808 |
| Instrument | 26944 |
| Name | WFB NA |
|---|---|
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 22, 2048 |
| Rate | 3.5% |
|---|
The 2025 property tax bill for 438 Waterfront Dr was $7,058 with a homeowner's exemption, up 10.4% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $352,221 (+1.77%) Land $90,000 Building $262,221 | $352,221 (-16.08%) Land $90,000 Building $262,221 | |
| 2025 | $7,058.00 (+10.37%) Homeowner's exemption | $346,098 (+2.9%) | $419,712 (-1.73%) Land $140,000 Building $279,712 |
| 2024 | $6,395.00 (+2.27%) Homeowner's exemption | $336,344 (+3%) | $427,093 (+6.9%) Land $120,000 Building $307,093 |
| 2023 | $6,253.00 (+2.04%) Homeowner's exemption | $326,548 (+3%) | $399,519 (+9.45%) Land $110,000 Building $289,519 |
| 2022 | $6,128.00 Homeowner's exemption | $317,037 | $365,038 Land $106,400 Building $258,638 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Waterfront Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.
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 189 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 189 in force |
| Nearby Flood Claims | 4 (1997–2017) |
| Claims Outside the SFHA | 3 of 4 |
| 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 risk around 438 Waterfront Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 305 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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