520 Saddlestone Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 520 Saddlestone Dr, Saint Johns, FL 32259 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,863 sqft · built 2008
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$612,000 (Jul 2020)
Tax Bill	$10,953 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Apr 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`009631-6067`

Property Details

APN / Parcel Number

Primary APN	`009631-6067`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	3,863 sqft Living Area
Gross Area	4,513 sqft
1st Floor Area	3,031 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1,274 sqft
Porch	Finished/Open Porch
Porch Area	310 sqft
Deck Area	Deck Area
Patio Area	824 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 SADDLESTONE DR
City	SAINT JOHNS
State	FL
Zip	32259-8204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	58/70-81 DURBIN CROSSING NORTH PHASE 1 UNIT 2 BLOCK F LOT 67 OR4985/660
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	67
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	3
Census Block	3001
Census Tract	20808

Owner

Source: St. Johns County records · APN 009631-6067

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

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

Owner of Record	Individual Name on File
Mailing Address	520 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 09, 2020	Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Apr 13, 2020	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH
Feb 05, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 09, 2020 · Amount on Record
Deed Sale	Jul 09, 2020 · Amount on Record
Prior Sale	Jan 06, 2009 · Amount on Record
Deed Document Number	202054941
Deed Book / Page	4985 / 660
Prior Transfer Date	Jan 30, 2018
Prior Transfer Doc	0044990070
Record Updated	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 09, 2020
Property Address	520 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204
Document Number	0049850660
Book / Page	4985 / 660
Map Reference	MB 58 PG 70-81
Instrument Date	Jun 26, 2020
Instrument	2020054941
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	WATSON TTL SVCS OF NORTH FL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,284.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8910 OLDENBURG DR, 8910, FAIRHOPE, AL 36532-5527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204

Mortgage

Document Number	4985662
Date	Jul 09, 2020
Instrument	4985/662

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	520 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204
Document Number	0049361229
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 09, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	520 SADDLESTONE DR ST JOHNS FL 322598204, ST JOHNS, FL 32259-8204

Mortgage

Document Number	0049361229
Date	May 05, 2020
Book Page	004936/001229
Instrument	34531

Lender

Name	BANCORPSOUTH
Type	Bank
Address	MOBILE, AL 36606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 04, 2025

Interest

Rate Type	Adjustable Rate

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 05, 2018
Property Address	520 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204
Document Number	0044990070
Book / Page	004499 / 000070
Instrument Date	Jan 30, 2018
Instrument	7705
Transaction Type	Transfer
Record Updated	Feb 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	520 SADDLESTONE DR ST JOHNS FL 322598204, ST JOHNS, FL 32259-8204

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$698,435 (-0.76%) Land $135,000 Building $563,435	$698,435 (-0.76%) Land $135,000 Building $563,435
2025	$10,953.00 (+2.43%) Homeowner's exemption	$703,804 (-5.96%)	$703,804 (-5.96%) Land $160,000 Building $543,804
2024	$10,693.00 (-0.14%)
2023	$10,708.00 (+10.43%) Homeowner's exemption	$748,426 (+2.81%)	$748,426 (+2.81%) Land $134,000 Building $614,426
2022	$9,697.00	$727,947	$727,947 Land $128,800 Building $599,147

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 121090208083, 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 138 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	138 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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 76 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
AT&T	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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