St. Johns County property record for 474 Cheryl Ct, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,224 sqft · built 1987 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $273,000 (Sep 2011) |
| Tax Bill | $3,205 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004995-0190 |
| Primary APN | 004995-0190 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,224 sqft Living Area |
| Gross Area | 2,984 sqft |
| 1st Floor Area | 1,856 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Wood |
| 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 | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 430 sqft |
| Deck Area | 185 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 474 CHERYL CT |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-3834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS2 |
| Legal Description | 17/93-94 OAKS COVE LOT 19 OR3473/422 & 3909/771(F/J) & 4216/1245(Q/C) |
| Legal Range | 27E |
| Legal Township | 04S |
| Legal Section | 30 |
| Legal Subdivision | OAKS COVE |
| Legal Block | 1 |
| Legal Lot Number | 19 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 20803 |
474 Cheryl Ct is owned and occupied by an individual who acquired it in June 2016.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 474 CHERYL CT, SAINT JOHNS, FL 32259-3834 |
| 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 |
|---|---|
| Dec 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| Jun 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 13, 2011 · Amount on File |
| Deed Sale | Sep 13, 2011 · Amount on File |
| Prior Sale | Jun 7, 2004 · Amount on File |
| Deed Document Number | 201145610 |
| Deed Book / Page | 3473 / 422 |
| Last Transfer Date | Jun 21, 2016 |
| Transfer Doc | 0042161245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 474 CHERYL CT, SAINT JOHNS, FL 32259-3834 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 474 CHERYL CT, SAINT JOHNS, FL 32259-3834 |
| Document Number | 0051260370 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 5126/370 |
| Instrument | 2020114649 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 474 CHERYL CT, SAINT JOHNS, FL 32259-3834 |
| Document Number | 0045711514 |
| Instrument Date | Jun 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2018 |
| Name | Verified Name |
|---|---|
| Address | 474 CHERYL CT JACKSONVILLE FL 322593834, JACKSONVILLE, FL 32259-3834 |
| Document Number | 0045711514 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 004571/001514 |
| Instrument | 46171 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | JACKSONVILLE, FL 32204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 28, 2028 |
The 2025 property tax bill for 474 Cheryl Ct was $3,205 with a homeowner's exemption, up 13.3% 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 | $258,757 (+2.7%) | $364,942 (-13.89%) Land $110,000 Building $254,942 | |
| 2025 | $3,205.00 (+13.29%) Homeowner's exemption | $251,954 | $423,818 Land $125,000 Building $298,818 |
| 2024 | $2,829.00 (+2.06%) | ||
| 2023 | $2,772.00 (+3.2%) Homeowner's exemption | $237,721 (+3%) | $377,161 (+12.12%) Land $90,000 Building $287,161 |
| 2022 | $2,686.00 Homeowner's exemption | $230,797 | $336,396 Land $89,600 Building $246,796 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 474 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 474 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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