St. Johns County property record for 537 Saddlestone Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,847 sqft · built 2007 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $412,000 (Jul 2020) |
| Tax Bill | $8,936 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009631-6026 |
| Primary APN | 009631-6026 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,847 sqft Living Area |
| Gross Area | 3,644 sqft |
| 1st Floor Area | 2,847 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 605 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 267 sqft |
| Patio Area | 318 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 537 SADDLESTONE DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8205 |
| 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 26 OR4997/251 |
| 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 | 26 |
| Legal Unit | 2 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 20808 |
Source: St. Johns County records, as of June 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 537 SADDLESTONE DR, SAINT JOHNS, FL 32259-8205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST FLORIDA CU |
| Jul 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Jan 23, 2018 | Warranty Deed, Transfer · Conventional with PMI VYSTAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2020 · Amount on Record |
| Deed Sale | Jul 23, 2020 · Amount on Record |
| Prior Sale | Jan 23, 2018 · Amount on Record |
| Deed Document Number | 202059700 |
| Deed Book / Page | 4997 / 251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 537 SADDLESTONE DR, SAINT JOHNS, FL 32259-8205 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 537 SADDLESTONE DR, SAINT JOHNS, FL 32259-8205 |
| Document Number | 0058190339 |
|---|---|
| Date | Sep 1, 2023 |
| Book Page | 5819/339 |
| Instrument | 2023069527 |
| Name | FIRST FLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Aug 27, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 23, 2020 |
| Property Address | 537 SADDLESTONE DR, SAINT JOHNS, FL 32259-8205 |
| Document Number | 0049970251 |
| Book / Page | 004997 / 000251 |
| Instrument Date | Jul 14, 2020 |
| Instrument | 59700 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,884.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 537 SADDLESTONE DR ST JOHNS FL 322598205, ST JOHNS, FL 32259-8205 |
| Document Number | 49970253 |
|---|---|
| Date | Jul 23, 2020 |
| Book Page | 004997/000253 |
| Instrument | 59701 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 22, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 23, 2018 |
| Property Address | 537 SADDLESTONE DR, SAINT JOHNS, FL 32259-8205 |
| Document Number | 0044931547 |
| Book / Page | 004493 / 001547 |
| Instrument Date | Dec 19, 2017 |
| Instrument | 4966 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2018 |
| Title Company | WATSON TITLE SERVICES/N FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,788.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 537 SADDLESTONE DR ST JOHNS FL 322598205, ST JOHNS, FL 32259-8205 |
| Document Number | 44931550 |
|---|---|
| Date | Jan 23, 2018 |
| Book Page | 004493/001550 |
| Instrument | 4967 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 22, 2048 |
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 | $423,457 (+2.7%) | $482,676 (-5.57%) Land $135,000 Building $347,676 | |
| 2025 | $8,936.00 (+9%) Homeowner's exemption | $412,324 (+2.9%) | $511,127 (-7.94%) Land $160,000 Building $351,127 |
| 2024 | $8,198.00 (+1.79%) Homeowner's exemption | $400,704 (+3%) | $555,197 (+1.99%) Land $160,000 Building $395,197 |
| 2023 | $8,054.00 (+4.07%) Homeowner's exemption | $389,033 (+3%) | $544,339 (+3.37%) Land $134,000 Building $410,339 |
| 2022 | $7,739.00 Homeowner's exemption | $377,702 | $526,586 Land $128,800 Building $397,786 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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