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

St. Johns County property record for 446 Big Tree Rd, Ponte Vedra Beach, FL 32082

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,588 sqft · built 1998
Lot Size	0.23 acres (10,018 sqft)
Owner	Individual Name on Record
Last Sale	$435,000 (Apr 2020)
Tax Bill	$6,108 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Apr 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`068442-0470`

Property Details

APN / Parcel Number

Primary APN	`068442-0470`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,588 sqft Living Area
Gross Area	3,690 sqft
1st Floor Area	1,414 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	436 sqft
Patio Area	946 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	446 BIG TREE RD
City	PONTE VEDRA BEACH
State	FL
Zip	32082-4141
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 47 OR4933/527
Legal Range	29E
Legal Township	04S
Legal Section	43
Legal Subdivision	ODOMS MILL UNIT 2 PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	47
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	PONTE VEDRA
Census Block Group	1
Census Block	1001
Census Tract	20706

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	446 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Apr 30, 2020	Warranty Deed, Transfer · Conventional Mortgage E MORTGAGE MANAGEMENT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Jun 9, 2008 · Amount on Record
Deed Document Number	202033244
Deed Book / Page	4933 / 527
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	446 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4141
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 BIG TREE RD, PONTE VEDRA, FL 32082-4141

Mortgage

Document Number	0056651206
Date	Nov 16, 2022
Book Page	5665/1206
Instrument	2022105226

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 30, 2020
Property Address	446 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4141
Document Number	0049330527
Book / Page	4933 / 527
Map Reference	MB 31 PG 23-30
Instrument Date	Apr 27, 2020
Instrument	2020033244
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	BARTLETT TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	543 COUNTRY CLUB DR # DR8513, 543, SIMI VALLEY, CA 93065-0637

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 BIG TREE RD, PONTE VEDRA BEACH, FL 32082-4141

Mortgage

Document Number	49330530
Date	Apr 30, 2020
Instrument	4933/0530

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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		$480,134 (+2.7%)	$692,084 (+1.73%) Land $175,000 Building $517,084
2025	$6,108.00 (+11.95%) Homeowner's exemption	$467,511 (+5.99%)	$680,330 (+5.42%) Land $165,000 Building $515,330
2024	$5,456.00 (+1.92%)
2023	$5,353.00 (+2.69%) Homeowner's exemption	$441,102 (+3%)	$645,377 (+14.78%) Land $160,000 Building $485,377
2022	$5,213.00 Homeowner's exemption	$428,254	$562,270 Land $145,600 Building $416,670

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

Flood

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 Record median of 186 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	186 in force
Nearby Flood Claims	17 (1992–2024)
Claims Outside the SFHA	3 of 17
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Oct 2017 · 3 claims Hurricane Matthew, Oct 2016 · 2 claims

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

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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
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	6 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 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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