527 E Kesley Ln, Saint Johns, FL 32259 Property Records

St. Johns County property record for 527 E Kesley Ln, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,088 sqft · built 2013
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$885,000 (Feb 2026)
Tax Bill	$9,904 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`249014-0970`

Property Details

APN / Parcel Number

Primary APN	`249014-0970`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	4,088 sqft Living Area
Gross Area	4,915 sqft
1st Floor Area	2,766 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Attached
Garage Area	827 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	413 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	527 E KESLEY LN
City	SAINT JOHNS
State	FL
Zip	32259-6294
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	54/74-87 PLANTATION ESTATES AT JULINGTON CREEK PLANTATION PARCEL 82 PHASE 2 LOT 97 OR6303/217
Legal Range	27E
Legal Township	04S
Legal Section	27
Legal Subdivision	PLANTATION ESTATES AT JULINGTON CREEK PL
Legal Phase	2
Legal Block	2
Legal Lot Number	97
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	2
Census Block	2011
Census Tract	20801

Owner

527 E Kesley Ln is owned and occupied by two individuals who bought it in February 2026.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	527 E KESLEY LN, SAINT JOHNS, FL 32259-6294
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jun 19, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2026 · Amount on File
Deed Sale	Feb 10, 2026 · Amount on File
Prior Sale	Jun 19, 2018 · Amount on File
Deed Document Number	202611277
Deed Book / Page	6303 / 217
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 10, 2026
Property Address	527 E KESLEY LN, SAINT JOHNS, FL 32259-6294
Document Number	0063030217
Book / Page	6303 / 217
Map Reference	MB 54 PG 74-87
Instrument Date	Feb 6, 2026
Instrument	2026011277
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	TOWN AND COUNTRY TITLE/TN INC, TOWN & COUNTRY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5129 GRACEWOOD LN, SAINT AUGUSTINE, FL 32092-0463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 E KESLEY LN, ST JOHNS, FL 32259-6294

Mortgage

Document Number	0006303219
Date	Feb 10, 2026
Instrument	6303/219

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	527 E KESLEY LN, SAINT JOHNS, FL 32259-6294
Document Number	0049840866
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	527 E KESLEY LN PENSACOLA FL 32559, PENSACOLA, FL 32559

Mortgage

Document Number	0049840866
Date	Jul 8, 2020
Book Page	004984/000866
Instrument	54561

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 19, 2018
Property Address	527 E KESLEY LN, SAINT JOHNS, FL 32259-6294
Document Number	0045650482
Book / Page	004565 / 000482
Instrument Date	Jun 15, 2018
Instrument	42801
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	SHEFFIELD AND BOATRIGHT TITLE SV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,655.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	527 E KESLEY LN ST JOHNS FL 322596294, ST JOHNS, FL 32259-6294

Mortgage

Document Number	45650484
Date	Jun 19, 2018
Book Page	004565/000484
Instrument	42802

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 527 E Kesley Ln was $9,904, up 10.9% from the year before.

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		$656,269 (+2.7%)	$798,674 (-2.73%) Land $210,000 Building $588,674
2025	$9,904.00 (+10.89%) Homeowner's exemption	$639,016 (+2.9%)	$821,070 (+6.39%) Land $210,000 Building $611,070
2024	$8,931.00 (+5.49%) Homeowner's exemption	$621,007 (+3%)	$771,737 (+0.64%) Land $205,000 Building $566,737
2023	$8,466.00 (+2.18%) Homeowner's exemption	$602,919 (+3%)	$766,822 (+0.31%) Land $205,000 Building $561,822
2022	$8,285.00 Homeowner's exemption	$585,358	$764,437 Land $168,000 Building $596,437

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

Flood

FEMA maps place 527 E Kesley Ln 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 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 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

Wildfire risk around 527 E Kesley Ln is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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