514 Navigators Rd, Saint Johns, FL 32259 Property Records

St. Johns County property record for 514 Navigators Rd, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,869 sqft · built 2023
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on File
Last Sale	$680,600 (Dec 2023)
Tax Bill	$7,711 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009821-0430`

Property Details

APN / Parcel Number

Primary APN	`009821-0430`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,869 sqft Living Area
Gross Area	3,309 sqft
1st Floor Area	1,896 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	334 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	514 NAVIGATORS RD
City	SAINT JOHNS
State	FL
Zip	32259-6333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	112/39-54 MIDDLEBOURNE PHASE ONE LOT 43 OR5877/1189
Legal Subdivision	MIDDLEBOURNE PHASE ONE
Legal Block	1
Legal Lot Number	43
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1025
Census Tract	20810

Owner

Source: St. Johns County records · APN 009821-0430

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 Record	2 Individual Names on File
Mailing Address	514 NAVIGATORS RD, SAINT JOHNS, FL 32259-6333
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Deed Document Number	2023100053
Deed Book / Page	5877 / 1189
Record Updated	Jun 08, 2026

December 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 28, 2023
Property Address	514 NAVIGATORS RD, SAINT JOHNS, FL 32259-6333
Document Number	0058771189
Book / Page	5877 / 1189
Map Reference	MB 112 PG 39-54
Instrument Date	Dec 22, 2023
Instrument	2023100053
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 10, 2024
Title Company	TOWN SQUARE TITLE LIMITED, TOWN SQUARE TITLE LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,764.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	680 CROSSWATER PKWY, PONTE VEDRA, FL 32081-0768

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 NAVIGATORS RD, SAINT JOHNS, FL 32259-6333

Mortgage

Document Number	0058771191
Date	Dec 28, 2023
Instrument	5877/1191

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2054

Tax Assessment & Valuation

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$464,591 (+2.7%)	$560,432 (+0.36%) Land $125,000 Building $435,432
2025	$7,711.00 (+8.94%) Homeowner's exemption	$452,377 (+2.9%)	$558,410 (-0.58%) Land $125,000 Building $433,410
2024	$7,078.00 (+81.12%) Homeowner's exemption	$439,628 (+193.09%)	$561,643 (+274.43%) Land $125,000 Building $436,643
2023	$3,908.00	$150,000	$150,000 Land $150,000

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 181 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	181 in force

Wildfire

Wildfire Risk	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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 · sampled at 77 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	JEA MAJOR GRID serves 826,664 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.