St. Johns County property record for 48 Turtleback Trl, Ponte Vedra Beach, FL 32082
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2.5 ba · 1,551 sqft · built 1984 |
| Lot Size | 0.11 acres (4,791 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $431,000 (Jun 2021) |
| Tax Bill | $5,662 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Mar 2026 Transfer + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 062111-0480 |
| Primary APN | 062111-0480 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,551 sqft Living Area |
| Gross Area | 1,959 sqft |
| 1st Floor Area | 1,051 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,791 sqft (0.11 acres) |
| Garage Type | Attached |
| Garage Area | 298 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished Screened Porch |
| Porch Area | 138 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 48 TURTLEBACK TRL |
|---|---|
| City | PONTE VEDRA BEACH |
| State | FL |
| Zip | 32082-2565 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | PUD |
| Legal Description | 15/22-25 TURTLEBACK CROSSING UNIT 1 LOT 48 OR5304/1869 |
| Legal Range | 29E |
| Legal Township | 03S |
| Legal Section | 40 |
| Legal Subdivision | TURTLEBACK CROSSING UNIT 1 |
| Legal Block | 4 |
| Legal Lot Number | 48 |
| Legal Unit | 1 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | PONTE VEDRA |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 20705 |
48 Turtleback Trl, a duplex, is owned and occupied by two individuals who bought it in June 2021.
Source: St. Johns County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 TURTLEBACK TRL, PONTE VEDRA BEACH, FL 32082-2565 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Aug 15, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Mar 10, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jun 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2021 · Amount on File |
| Deed Sale | Jun 29, 2021 · Amount on File |
| Prior Sale | Dec 15, 2016 · Amount on File |
| Deed Document Number | 202172552 |
| Deed Book / Page | 5304 / 1869 |
| Prior Transfer Date | May 17, 2007 |
| Prior Transfer Doc | 0029231398 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 48 TURTLEBACK TRL, PONTE VEDRA BEACH, FL 32082-2565 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 48 TURTLEBACK TRL, PONTE VEDRA BEACH, FL 32082-2565 |
| Document Number | 0058100163 |
|---|---|
| Date | Aug 15, 2023 |
| Book Page | 5810/163 |
| Instrument | 2023064702 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 2, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 10, 2026 |
| Property Address | 48 TURTLEBACK TRL, PONTE VEDRA BEACH, FL 32082-2565 |
| Document Number | 0063210329 |
| Book / Page | 6321 / 329 |
| Map Reference | MB 15 PG 22-25 |
| Instrument Date | Mar 3, 2026 |
| Instrument | 2026020657 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 48 TURTLEBACK TRL, PONTE VEDRA BEACH, FL 32082-2565 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 48 TURTLEBACK TRL, PONTE VEDRA BEACH, FL 32082-2565 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 29, 2021 |
| Property Address | 48 TURTLEBACK TRL, PONTE VEDRA BEACH, FL 32082-2565 |
| Document Number | 0053041869 |
| Book / Page | 5304 / 1869 |
| Map Reference | MB 15 PG 22-25 |
| Instrument Date | Jun 28, 2021 |
| Instrument | 2021072552 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,017.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7046 CYPRESS BRIDGE DR S, PONTE VEDRA BEACH, FL 32082-2513 |
| Name | Verified Name |
|---|---|
| Address | 48 TURTLEBACK TRL, PONTE VEDRA BEACH, FL 32082-2565 |
| Document Number | 0053041871 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 5304/1871 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 48 Turtleback Trl was $5,662, up 12.1% 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 | $446,072 (+2.7%) | $467,938 (+3.46%) Land $110,000 Building $357,938 | |
| 2025 | $5,662.00 (+12.07%) Homeowner's exemption | $434,345 (+2.9%) | $452,286 (-1.93%) Land $110,000 Building $342,286 |
| 2024 | $5,052.00 (+1.94%) Homeowner's exemption | $422,104 (+3%) | $461,198 (-0.9%) Land $95,000 Building $366,198 |
| 2023 | $4,956.00 (+2.72%) Homeowner's exemption | $409,810 (+3%) | $465,407 (+16.97%) Land $95,000 Building $370,407 |
| 2022 | $4,825.00 Homeowner's exemption | $397,874 | $397,874 Land $78,400 Building $319,474 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Turtleback Trl in Zone X, an area of moderate flood risk, within 100 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 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 File median of 238 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 238 in force |
| Nearby Flood Claims | 21 (1982–2016) |
| Claims Outside the SFHA | 19 of 21 |
| Most Recent Claim | Nov 2016 · tidal / storm surge |
| 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 48 Turtleback Trl is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 | SJCU-PONTE VEDRA WS private · serves 15,565 people · EPA ID FL2554343 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 333 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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