440 E Kesley Ln, Saint Johns, FL 32259 Property Records

St. Johns County property record for 440 E Kesley Ln, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,093 sqft · built 2007
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Feb 2011)
Tax Bill	$1,820 (2025)
Deeds & Mortgages	Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`249014-0590`

Property Details

APN / Parcel Number

Primary APN	`249014-0590`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Plumbing Fixtures	22 Plumbing Fixtures
Stories	2 Stories
Building Area	5,093 sqft Living Area
Gross Area	5,878 sqft
1st Floor Area	3,565 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Attached
Garage Area	785 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	1,032 sqft
Porch	Finished/Open Porch
Porch Area	481 sqft
Deck Area	Deck Area
Patio Area	640 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	440 E KESLEY LN
City	SAINT JOHNS
State	FL
Zip	32259-6295
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	54/74-87 PLANTATION ESTATES AT JULINGTON CREEK PLANTATION PARCEL 82 PHASE 2 LOT 59 OR3410/1684
Legal Range	27E
Legal Township	04S
Legal Section	27
Legal Subdivision	PLANTATION ESTATES AT JULINGTON CREEK PL
Legal Phase	2
Legal Block	2
Legal Lot Number	59
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	2
Census Block	2000
Census Tract	20801

Owner

440 E Kesley Ln is owned and occupied by two individuals who bought it in February 2011.

Source: St. Johns County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	440 E KESLEY LN, SAINT JOHNS, FL 32259-6295
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2011 · Amount on File
Deed Sale	Feb 22, 2011 · Amount on File
Prior Sale	Sep 6, 2007 · Amount on File
Deed Document Number	20119182
Deed Book / Page	3410 / 1684
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	440 E KESLEY LN, SAINT JOHNS, FL 32259-6295
Document Number	0047751969
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	Aug 23, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 E KESLEY LN ST JOHNS FL 322596295, ST JOHNS, FL 32259-6295

Mortgage

Document Number	0047751969
Date	Aug 12, 2019
Book Page	004775/001969
Instrument	58774

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 11, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 440 E Kesley Ln was $1,820 with a veteran's exemption, down 80.8% 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		$708,629 (+2.7%)	$985,776 (-0.5%) Land $220,000 Building $765,776
2025	$1,820.00 (-80.82%) Disabled Person's exemption Veteran's exemption	$689,999 (+2.9%)	$990,771 (+11.01%) Land $220,000 Building $770,771
2024	$9,490.00 (+5.28%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$670,553 (+3%)	$892,506 (+0.41%) Land $215,000 Building $677,506
2023	$9,014.00 (+2.22%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$651,022 (+3%)	$888,856 (-0.17%) Land $215,000 Building $673,856
2022	$8,818.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$632,060	$890,390 Land $179,200 Building $711,190

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

Flood

FEMA maps place 440 E Kesley Ln in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force

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 440 E Kesley Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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