532 Saddlestone Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 532 Saddlestone Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,834 sqft · built 2009
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Apr 2010)
Tax Bill	$9,189 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`009631-6058`

Property Details

APN / Parcel Number

Primary APN	`009631-6058`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,834 sqft Living Area
Gross Area	4,454 sqft
1st Floor Area	3,002 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	530 sqft
Porch	Finished/Open Porch
Porch Area	305 sqft
Patio Area	1,835 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	532 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 58 OR3308/308
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	58
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	3
Census Block	3001
Census Tract	20808

Owner

532 Saddlestone Dr is owned and occupied by two individuals who bought it in April 2010.

Source: St. Johns County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	532 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2010 · Amount on File
Deed Sale	Apr 26, 2010 · Amount on File
Deed Document Number	201019325
Deed Book / Page	3308 / 308
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	532 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204
Document Number	0048161381
Instrument Date	Oct 5, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	532 SADDLESTONE DR ST JOHNS FL 322598204, ST JOHNS, FL 32259-8204

Mortgage

Document Number	0048161381
Date	Oct 21, 2019
Book Page	004816/001381
Instrument	78329

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 20, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 532 Saddlestone Dr was $9,189 with a homeowner's exemption, up 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		$442,737 (+2.7%)	$699,615 (-0.5%) Land $135,000 Building $564,615
2025	$9,189.00 (+9.04%) Homeowner's exemption	$431,097 (+2.9%)	$703,144 (-5.9%) Land $160,000 Building $543,144
2024	$8,427.00 (+1.79%) Homeowner's exemption	$418,948 (+3%)	$747,247 (+0.51%) Land $160,000 Building $587,247
2023	$8,279.00 (+4.02%) Homeowner's exemption	$406,746 (+3%)	$743,473 (+4.67%) Land $134,000 Building $609,473
2022	$7,959.00 Homeowner's exemption	$394,899	$710,272 Land $128,800 Building $581,472

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

Flood

FEMA maps place 532 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

Wildfire risk around 532 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.

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 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