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494 Navigators Rd, Saint Johns, FL 32259 Property Records

St. Johns County property record for 494 Navigators Rd, Saint Johns, FL 32259 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,225 sqft · built 2023
Lot Size0.16 acres (6,969 sqft)
OwnerIndividual Name on File
Tax Bill$8,270 (2025)
Deeds & MortgagesMar 2026 Mortgage
Oct 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN009821-0450

Property Details

APN / Parcel Number

Primary APN009821-0450

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures12 Plumbing Fixtures
Stories1 Story
Building Area2,225 sqft Living Area
Gross Area2,645 sqft
1st Floor Area2,225 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,969 sqft (0.16 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area315 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address494 NAVIGATORS RD
CitySAINT JOHNS
StateFL
Zip32259-6336
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description112/39-54 MIDDLEBOURNE PHASE ONE LOT 45 OR5835/874
Legal SubdivisionMIDDLEBOURNE PHASE ONE
Legal Block1
Legal Lot Number45
JurisdictionST JOHNS FL
Township / Civil DivisionFRUIT COVE
Census Block Group1
Census Block1025
Census Tract20810

Owner

Source: St. Johns County records · APN 009821-0450

Assessment roll updated April 13, 2026 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address494 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 13, 2026Deed of Trust, Mortgage · Conventional Mortgage
GOOGAIN INC
Oct 03, 2023Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
HSBC BANK USA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Record UpdatedJun 08, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address494 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336
Transaction TypeMortgage
Record UpdatedMar 26, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address494 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336

Mortgage

Document Number0063240471
DateMar 13, 2026
Book Page6324/471
Instrument2026022229
Lender
NameGOOGAIN INC
TypeMortgage Company
AddressSUNNYVALE, CA 94086
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2056

October 2023: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateOct 03, 2023
Property Address494 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336
Document Number0058350874
Book / Page5835 / 874
Map ReferenceMB 112 PG 39-54
Instrument DateSep 29, 2023
Instrument2023078059
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 12, 2024
Title CompanySOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,270.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2379 BEVILLE RD, DAYTONA BEACH, FL 32119-8720

Transferred To (Grantee/Buyer)

NameVerified Name
Address494 NAVIGATORS RD, SAINT JOHNS, FL 32259-6336

Mortgage

Document Number0005835875
DateOct 03, 2023
Instrument5835/875
Lender
NameHSBC BANK USA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2053

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$506,755 (+2.61%) Land $125,000 Building $381,755$506,755 (+2.61%) Land $125,000 Building $381,755
2025$8,270.00 (+6.13%) Homeowner's exemption$493,863 (-0.54%)$493,863 (-0.54%) Land $125,000 Building $368,863
2024$7,792.00 (+113.25%) Homeowner's exemption$496,522 (+281.94%)$496,522 (+281.94%) Land $125,000 Building $371,522
2023$3,654.00$130,000$130,000 Land $130,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090208101, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 181 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies181 in force

Wildfire

Wildfire RiskModerate
above 60% of the US · above 34% of Florida
Wildfire LikelihoodAbout 1 in 588 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 77 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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