St. Johns County property record for 445 Cheryl Ct, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,421 sqft · built 1985 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $460,900 (Dec 2020) |
| Tax Bill | $7,582 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Jan 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004995-0030 |
| Primary APN | 004995-0030 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,421 sqft Living Area |
| Gross Area | 3,333 sqft |
| 1st Floor Area | 2,421 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Attached |
| Garage Area | 447 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 480 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 320 sqft |
| Deck Area | Deck Area |
| Patio Area | 992 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 445 CHERYL CT |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-3835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS2 |
| Legal Description | 17/93-94 OAKS COVE LOT 3 OR5119/1407 |
| Legal Range | 27E |
| Legal Township | 04S |
| Legal Section | 30 |
| Legal Subdivision | OAKS COVE |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 20803 |
445 Cheryl Ct is owned and occupied by an individual who bought it in December 2020.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 445 CHERYL CT, SAINT JOHNS, FL 32259-3835 |
| 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.
| Date | Document |
|---|---|
| Apr 11, 2024 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 5, 2024 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Dec 9, 2020 | Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2020 · Amount on File |
| Deed Sale | Dec 9, 2020 · Amount on File |
| Prior Sale | Nov 4, 2015 · Amount on File |
| Deed Document Number | 2020112008 |
| Deed Book / Page | 5119 / 1407 |
| Prior Transfer Date | Nov 6, 2015 |
| Prior Transfer Doc | 0041200337 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 445 CHERYL CT, SAINT JOHNS, FL 32259-3835 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 445 CHERYL CT, JACKSONVILLE, FL 32259-3835 |
| Document Number | 0059301951 |
|---|---|
| Date | Apr 11, 2024 |
| Book Page | 5930/1951 |
| Instrument | 2024027276 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | HOPKINS, MN 55343 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 4, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 445 CHERYL CT, SAINT JOHNS, FL 32259-3835 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 445 CHERYL CT, JACKSONVILLE, FL 32259-3835 |
| Document Number | 0058821028 |
|---|---|
| Date | Jan 5, 2024 |
| Book Page | 5882/1028 |
| Instrument | 2024001475 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Dec 28, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 9, 2020 |
| Property Address | 445 CHERYL CT, SAINT JOHNS, FL 32259-3835 |
| Document Number | 0051191407 |
| Book / Page | 5119 / 1407 |
| Map Reference | MB 17 PG 93&94 |
| Instrument Date | Nov 25, 2020 |
| Instrument | 2020112008 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | ESTATE TITLE AND TRUST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,226.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1160 MILL CREEK DR, 1160, SAINT JOHNS, FL 32259-8972 |
| Name | Verified Name |
|---|---|
| Address | 445 CHERYL CT, SAINT JOHNS, FL 32259-3835 |
| Document Number | 51191409 |
|---|---|
| Date | Dec 9, 2020 |
| Instrument | 5119/1409 |
| Name | PREMIA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 445 Cheryl Ct was $7,582, up 20.5% 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 | $473,535 (-13.61%) Land $110,000 Building $363,535 | $473,535 (-13.61%) Land $110,000 Building $363,535 | |
| 2025 | $7,582.00 (+20.54%) | $548,131 | $548,131 Land $125,000 Building $423,131 |
| 2024 | $6,290.00 (+2.48%) | ||
| 2023 | $6,138.00 (+9.86%) | $483,445 (+11.98%) | $483,445 (+11.98%) Land $90,000 Building $393,445 |
| 2022 | $5,587.00 | $431,708 | $431,708 Land $89,600 Building $342,108 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 Cheryl Ct in Zone X, an area of minimal flood risk, though there have been 39 flood claims nearby since 1991.
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 102 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 102 in force |
| Nearby Flood Claims | 39 (1991–2017) |
| Claims Outside the SFHA | 26 of 39 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 445 Cheryl Ct 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 | Direct burnable vegetation |
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 137 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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