St. Johns County property record for 516 Saddlestone Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,940 sqft · built 2013 |
| Lot Size | 0.26 acres (11,325 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $274,900 (Jan 2013) |
| Tax Bill | $8,664 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 009631-6068 |
| Primary APN | 009631-6068 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,940 sqft Living Area |
| Gross Area | 3,540 sqft |
| 1st Floor Area | 1,270 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,325 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 202 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 516 SADDLESTONE DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 58/70-81 DURBIN CROSSING NORTH PHASE 1 UNIT 2 BLOCK F LOT 68 OR3679/1356 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 01 |
| Legal Subdivision | DURBIN CROSSING NORTH PHASE 1 UNIT 2 |
| Legal Phase | 1 |
| Legal Block | F |
| Legal Lot Number | 68 |
| Legal Unit | 2 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 20808 |
516 Saddlestone Dr is owned and occupied by two individuals who bought it in January 2013.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 516 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| 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 |
|---|---|
| Apr 11, 2020 | Deed of Trust, Mortgage · Conventional with PMI VYSTAR CU |
| Apr 8, 2017 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2013 · Amount on File |
| Deed Sale | Jan 31, 2013 · Amount on File |
| Prior Sale | Feb 18, 2010 · Amount on File |
| Deed Document Number | 20137129 |
| Deed Book / Page | 3679 / 1356 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 516 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Document Number | 0049261240 |
| Instrument Date | Apr 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 516 SADDLESTONE DR ST JOHNS FL 322598204, ST JOHNS, FL 32259-8204 |
| Document Number | 0049261240 |
|---|---|
| Date | Apr 20, 2020 |
| Book Page | 004926/001240 |
| Instrument | 30578 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 19, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 516 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Document Number | 0043701311 |
| Book / Page | 004370 / 001311 |
| Instrument Date | Apr 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 516 SADDLESTONE DR ST JOHNS FL 322598204, ST JOHNS, FL 32259-8204 |
| Document Number | 0043701311 |
|---|---|
| Date | May 8, 2017 |
| Book Page | 004370/001311 |
| Instrument | 31821 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 7, 2027 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 516 Saddlestone Dr was $8,664 with a homeowner's exemption, up 9% 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 | $402,746 (+2.7%) | $496,098 (+0.4%) Land $135,000 Building $361,098 | |
| 2025 | $8,664.00 (+8.95%) Homeowner's exemption | $392,158 (+2.9%) | $494,108 (-7.56%) Land $160,000 Building $334,108 |
| 2024 | $7,952.00 (+1.78%) Homeowner's exemption | $381,106 (+3%) | $534,544 (+2.27%) Land $160,000 Building $374,544 |
| 2023 | $7,813.00 (+4.15%) Homeowner's exemption | $370,006 (+3%) | $522,658 (+3.15%) Land $134,000 Building $388,658 |
| 2022 | $7,502.00 Homeowner's exemption | $359,229 | $506,705 Land $128,800 Building $377,905 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 516 Saddlestone Dr in Zone X, an area of minimal flood risk.
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 138 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 138 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 risk around 516 Saddlestone Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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