St. Johns County property record for 536 Saddlestone Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,169 sqft · built 2010 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $730,000 (Jun 2024) |
| Tax Bill | $12,067 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Mar 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009631-6057 |
| Primary APN | 009631-6057 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 4,169 sqft Living Area |
| Gross Area | 5,154 sqft |
| 1st Floor Area | 2,619 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Attached |
| Garage Area | 645 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 403 sqft |
| Patio Area | 512 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 536 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 57 OR5972/85 |
| 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 | 57 |
| Legal Unit | 2 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 20808 |
536 Saddlestone Dr is owned and occupied by two individuals who bought it in June 2024.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 536 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 |
|---|---|
| Jan 27, 2026 | Deed of Trust, Mortgage · Stand-Alone First Mortgage 2004 0000443 LLC |
| Mar 16, 2023 | Deed of Trust, Mortgage · SBA Mortgage LIVE OAK BANKING COMPANY |
| Jul 12, 2019 | Deed of Trust, Mortgage · Conventional with PMI TIAA FSB |
| Nov 8, 2018 | Warranty Deed, Transfer · Conventional Mortgage TIAA FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2024 · Amount on File |
| Deed Sale | Jun 21, 2024 · Amount on File |
| Prior Sale | Feb 12, 2020 · Amount on File |
| Deed Document Number | 202448795 |
| Deed Book / Page | 5972 / 85 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 536 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 536 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Document Number | 0062941481 |
|---|---|
| Date | Jan 27, 2026 |
| Book Page | 6294/1481 |
| Instrument | 2026006522 |
| Name | 2004 0000443 LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | RESTON, VA 20190 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 536 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 536 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Document Number | 0057241963 |
|---|---|
| Date | Mar 16, 2023 |
| Book Page | 5724/1963 |
| Instrument | 2023019809 |
| Name | LIVE OAK BANKING COMPANY |
|---|---|
| Type | Bank |
| Address | WILMINGTON, NC 28403 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 536 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Document Number | 0047621536 |
| Instrument Date | Jul 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 536 SADDLESTONE DR ST JOHNS FL 322598204, ST JOHNS, FL 32259-8204 |
| Document Number | 0047621536 |
|---|---|
| Date | Jul 19, 2019 |
| Book Page | 004762/001536 |
| Instrument | 52398 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 18, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 8, 2018 |
| Property Address | 536 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Document Number | 0046381276 |
| Book / Page | 004638 / 001276 |
| Instrument Date | Nov 6, 2018 |
| Instrument | 80860 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2018 |
| Title Company | RIVER CITY TITLE COMPANY, RIVER CTY TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,311.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 280 ESMERALDA RD ST AUGUSTINE FL 320958509, ST AUGUSTINE, FL 32095-8509 |
| Document Number | 46381278 |
|---|---|
| Date | Nov 8, 2018 |
| Book Page | 004638/001278 |
| Instrument | 80861 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 7, 2048 |
The 2025 property tax bill for 536 Saddlestone Dr was $12,067 with a homeowner's exemption, down 3.6% 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 | $649,935 (+0.8%) Land $135,000 Building $514,935 | $649,935 (+0.8%) Land $135,000 Building $514,935 | |
| 2025 | $12,067.00 (-3.63%) Homeowner's exemption | $644,782 | $644,782 Land $160,000 Building $484,782 |
| 2024 | $12,522.00 (+31.41%) | ||
| 2023 | $9,529.00 (+3.78%) Homeowner's exemption | $505,202 (+3%) | $700,707 (+3.1%) Land $134,000 Building $566,707 |
| 2022 | $9,182.00 Homeowner's exemption | $490,487 | $679,643 Land $128,800 Building $550,843 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 536 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 536 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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