St. Johns County property record for 46 Ruskin Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,385 sqft · built 2019 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $505,000 (Feb 2022) |
| Tax Bill | $7,954 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Nov 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000713-1860 |
| Primary APN | 000713-1860 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,385 sqft Living Area |
| Gross Area | 2,841 sqft |
| 1st Floor Area | 1,014 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 46 RUSKIN DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-9163 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 91/23-30 RIVERTOWN PARCEL 23 PHASE 1 LOT 186 OR5495/1437 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 39 |
| Legal Subdivision | RIVERTOWN PARCEL 23 PHASE 1 |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 186 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 20807 |
46 Ruskin Dr is owned and occupied by two individuals who bought it in February 2022.
Source: St. Johns County records, as of April 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46 RUSKIN DR, SAINT JOHNS, FL 32259-9163 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Feb 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Nov 3, 2021 | Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| May 28, 2019 | Special Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2022 · Amount on File |
| Deed Sale | Feb 17, 2022 · Amount on File |
| Prior Sale | Nov 3, 2021 · Amount on File |
| Deed Document Number | 202217851 |
| Deed Book / Page | 5495 / 1437 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 17, 2022 |
| Property Address | 46 RUSKIN DR, SAINT JOHNS, FL 32259-9163 |
| Document Number | 0054951437 |
| Book / Page | 5495 / 1437 |
| Map Reference | MB 91 PG 23-30 |
| Instrument Date | Feb 16, 2022 |
| Instrument | 2022017851 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,535.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662 |
| Name | Verified Name |
|---|---|
| Address | 46 RUSKIN DR, SAINT JOHNS, FL 32259-9163 |
| Document Number | 0054951439 |
|---|---|
| Date | Feb 17, 2022 |
| Instrument | 5495/1439 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 3, 2021 |
| Property Address | 46 RUSKIN DR, SAINT JOHNS, FL 32259-9163 |
| Document Number | 0054110450 |
| Book / Page | 5411 / 450 |
| Map Reference | MB 91 PG 23-30 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 2021119756 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Tax | $3,360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 46 RUSKIN DR, JACKSONVILLE, FL 32259-9163 |
| Name | Verified Name |
|---|---|
| Address | 2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662 |
| Investor | Possibly a Property Investor |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 28, 2019 |
| Property Address | 46 RUSKIN DR, SAINT JOHNS, FL 32259-9163 |
| Document Number | 0047300569 |
| Book / Page | 4730 / 0569 |
| Map Reference | MB 91 PG 23-30 |
| Instrument Date | May 8, 2019 |
| Instrument | 2019036422 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | SHEFFIELD & BOATRIGHT TTL SV |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,153.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 RUSKIN DR, SAINT JOHNS, FL 32259-9163 |
| Document Number | 0004730570 |
|---|---|
| Date | May 28, 2019 |
| Instrument | 4730/570 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
The 2025 property tax bill for 46 Ruskin Dr was $7,954 with a homeowner's exemption, up 5.4% 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 | $415,384 (-0.13%) Land $90,000 Building $325,384 | $415,384 (-0.13%) Land $90,000 Building $325,384 | |
| 2025 | $7,954.00 (+5.35%) Homeowner's exemption | $415,937 | $415,937 Land $95,000 Building $320,937 |
| 2024 | $7,550.00 (-3.5%) | ||
| 2023 | $7,824.00 (+9.32%) Homeowner's exemption | $451,151 (+25.78%) | $451,151 (+25.78%) Land $95,000 Building $356,151 |
| 2022 | $7,157.00 | $358,695 | $358,695 Land $78,400 Building $280,295 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Ruskin Dr 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 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 46 Ruskin Dr is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 381 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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