489 E Kesley Ln, Saint Johns, FL 32259 Property Records

St. Johns County property record for 489 E Kesley Ln, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,948 sqft · built 2007
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$1,035,000 (Sep 2023)
Tax Bill	$12,634 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`249014-1100`

Property Details

APN / Parcel Number

Primary APN	`249014-1100`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Stories	1 Story
Building Area	3,948 sqft Living Area
Gross Area	5,118 sqft
1st Floor Area	3,194 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.52 acres)
Garage Type	Attached
Garage Area	831 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	525 sqft
Porch	Finished Screened Porch
Porch Area	448 sqft
Patio Area	2,222 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	489 E KESLEY LN
City	SAINT JOHNS
State	FL
Zip	32259-6296
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	54/74-87 PLANTATION ESTATES AT JULINGTON CREEK PLANTATION PARCEL 82 PHASE 2 LOT 110 OR5820/1882
Legal Range	27E
Legal Township	04S
Legal Section	27
Legal Subdivision	PLANTATION ESTATES AT JULINGTON CREEK PL
Legal Phase	2
Legal Block	2
Legal Lot Number	110
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	2
Census Block	2000
Census Tract	20801

Owner

489 E Kesley Ln is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	489 E KESLEY LN, SAINT JOHNS, FL 32259-6296
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 6, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
May 18, 2017	Deed of Trust, Mortgage · Line of Credit 121 FINANCIAL CU
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on File
Deed Sale	Sep 6, 2023 · Amount on File
Prior Sale	May 7, 2015 · Amount on File
Deed Document Number	202370432
Deed Book / Page	5820 / 1882
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	May 19, 2026
Property Address	489 E KESLEY LN, SAINT JOHNS, FL 32259-6296
Document Number	0000042925
Book / Page	6366 / 1140
Instrument Date	May 13, 2026
Instrument	202642925
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 E KESLEY LN, SAINT JOHNS, FL 32259-6296

Mortgage

Document Number	0000042925,
Date	May 19, 2026
Book Page	6366/1140
Instrument	202642925

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 6, 2023
Property Address	489 E KESLEY LN, SAINT JOHNS, FL 32259-6296
Document Number	0058201882
Book / Page	5820 / 1882
Map Reference	MB 54 PG 74-87
Instrument Date	Aug 29, 2023
Instrument	2023070432
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	NOT AVAILABLE, ST JOHNS BLUE OCEAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	58 CORUNNA ST, SAINT AUGUSTINE, FL 32084-2951

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 E KESLEY LN, SAINT JOHNS, FL 32259-6296

Mortgage

Document Number	0058201884
Date	Sep 6, 2023
Instrument	5820/1884

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	489 E KESLEY LN, SAINT JOHNS, FL 32259-6296
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043750907
Date	May 18, 2017
Book Page	4375/0907
Instrument	2017034365

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	489 E KESLEY LN, SAINT JOHNS, FL 32259-6296
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 E KESLEY LN, SAINT JOHNS, FL 32259-6296

Mortgage

Document Number	0050710079
Date	Oct 14, 2020
Book Page	5071/79
Instrument	2020090933

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 489 E Kesley Ln was $12,634 with a homeowner's exemption, up 10.8% from the year before.

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		$864,415 (+2.7%)	$875,376 (+0.04%) Land $220,000 Building $655,376
2025	$12,634.00 (+10.81%) Homeowner's exemption	$841,689 (+2.9%)	$875,041 (+6.98%) Land $220,000 Building $655,041
2024	$11,401.00 (+37.64%) Homeowner's exemption	$817,968 (+39.01%)	$817,968 (+3.71%) Land $215,000 Building $602,968
2023	$8,283.00 (+2.2%) Homeowner's exemption	$588,436 (+3%)	$788,706 (+2.4%) Land $215,000 Building $573,706
2022	$8,105.00 Homeowner's exemption	$571,297	$770,216 Land $179,200 Building $591,016

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

Flood

FEMA maps place 489 E Kesley Ln 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 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force

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

Wildfire risk around 489 E Kesley Ln is low, with a 0.06% 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	0.06% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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