524 Captiva Dr, Ponte Vedra Beach, FL 32081 Property Records

St. Johns County property record for 524 Captiva Dr, Ponte Vedra Beach, FL 32081

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,961 sqft · built 2014
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Mar 2026)
Tax Bill	$6,073 (2025)
Deeds & Mortgages	Jul 2023 Mortgage May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`068052-1640`

Property Details

APN / Parcel Number

Primary APN	`068052-1640`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,961 sqft Living Area
Gross Area	2,627 sqft
1st Floor Area	1,961 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	278 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	524 CAPTIVA DR
City	PONTE VEDRA
State	FL
Zip	32081-5072
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	68/84-88 KELLY POINTE AT NOCATEE PHASE 4 LOT 164 OR3865/864 4361/25(F/J) & 5127/552(Q/C)
Legal Range	29E
Legal Township	04S
Legal Section	31
Legal Subdivision	KELLY POINT AT NOCATEE PHASE 4
Legal Phase	4
Legal Block	1
Legal Lot Number	164
Jurisdiction	ST JOHNS FL
Township / Civil Division	PONTE VEDRA
Census Block Group	2
Census Block	2052
Census Tract	20708

Owner

Source: St. Johns County records, as of June 30, 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 Record
Mailing Address	524 CAPTIVA DR, PONTE VEDRA, FL 32081-5072
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 30, 2024	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Mar 13, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Dec 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on Record
Deed Sale	Mar 13, 2026 · Amount on Record
Prior Sale	Apr 8, 2014 · Amount on Record
Deed Document Number	202621937
Deed Book / Page	6323 / 1337
Prior Transfer Date	Nov 5, 2020
Prior Transfer Doc	0051270552
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	524 CAPTIVA DR, PONTE VEDRA, FL 32081-5072
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 CAPTIVA DR, PONTE VEDRA, FL 32081-5072

Mortgage

Document Number	0057931591
Date	Jul 18, 2023
Book Page	5793/1591
Instrument	2023055863

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.69%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.69%
Index	SOFR Average 30-Day
Max Rate	9.69%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	524 CAPTIVA DR, PONTE VEDRA, FL 32081-5072
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 CAPTIVA DR, PONTE VEDRA, FL 32081-5072

Mortgage

Document Number	0055610331
Date	May 18, 2022
Book Page	5561/331
Instrument	2022050634

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	524 CAPTIVA DR, PONTE VEDRA, FL 32081-5072
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 CAPTIVA DR, PONTE VEDRA, FL 32081-5072
Investor	Possibly a Property Investor

Mortgage

Document Number	0060281939
Date	Sep 30, 2024
Book Page	6028/1939
Instrument	2024076923

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 13, 2026
Property Address	524 CAPTIVA DR, PONTE VEDRA, FL 32081-5072
Document Number	0063231337
Book / Page	6323 / 1337
Map Reference	MB 68 PG 84-88
Instrument Date	Mar 12, 2026
Instrument	2026021937
Transaction Type	Transfer
Record Updated	Mar 26, 2026
Title Company	AMERICAS CHOICE TITLE COMPANY, AMERICAS CHOICE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,465.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151 HARROW CV, SAINT JOHNS, FL 32259-7179

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	524 CAPTIVA DR, PONTE VEDRA, FL 32081-5072

Mortgage

Document Number	0063231339
Date	Mar 13, 2026
Instrument	6323/1339

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Dec 16, 2020
Property Address	524 CAPTIVA DR, PONTE VEDRA, FL 32081-5072
Document Number	0051270552
Book / Page	5127 / 552
Map Reference	MB 68 PG 84-88
Instrument Date	Nov 5, 2020
Instrument	2020115128
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	VYSTAR TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	746 SERVIA DR, 746, ST JOHNS, FL 32259-2241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 CAPTIVA DR, PONTE VEDRA BEACH, FL 32081-5072

Mortgage

Document Number	5127555
Date	Dec 16, 2020
Instrument	5127/555

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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		$317,706 (+2.7%)	$458,903 (+0.22%) Land $120,000 Building $338,903
2025	$6,073.00 (+9.17%) Homeowner's exemption	$309,353 (+2.9%)	$457,881 (-4.65%) Land $125,000 Building $332,881
2024	$5,563.00 (+1.26%) Homeowner's exemption	$300,635 (+3%)	$480,192 (-) Land $125,000 Building $355,192
2023	$5,494.00 (+1.85%) Homeowner's exemption	$291,879 (+3%)	$480,192 (+10.1%) Land $125,000 Building $355,192
2022	$5,394.00 Homeowner's exemption	$283,378	$436,125 Land $112,000 Building $324,125

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

Flood

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 Record median of 368 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	368 in force
Nearby Flood Claims	66 (2016–2022)
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Nicole, Nov 2022 · 16 claims Hurricane Irma, Sep 2017 · 31 claims Hurricane Matthew, Oct 2016 · 12 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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