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

St. Johns County property record for 539 E Kesley Ln, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,794 sqft · built 2021
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$966,500 (Dec 2021)
Tax Bill	$13,086 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`249014-1000`

Property Details

APN / Parcel Number

Primary APN	`249014-1000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	3,794 sqft Living Area
Gross Area	4,394 sqft
1st Floor Area	3,794 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	539 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 100 OR5441/584
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	100
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	2
Census Block	2011
Census Tract	20801

Owner

539 E Kesley Ln is owned and occupied by two individuals who bought it in December 2021.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	539 E KESLEY LN, SAINT JOHNS, FL 32259-6294
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

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC
Dec 9, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 30, 2020	Loan Modification, Mortgage · Line of Credit FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2021 · Amount on File
Deed Sale	Dec 9, 2021 · Amount on File
Deed Document Number	2021133425
Deed Book / Page	5441 / 584
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	539 E KESLEY LN, SAINT JOHNS, FL 32259-6294
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 E KESLEY LN, SAINT JOHNS, FL 32259-6294

Mortgage

Document Number	0062960935
Date	Jan 29, 2026
Book Page	6296/935
Instrument	2026007548

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 9, 2021
Property Address	539 E KESLEY LN, SAINT JOHNS, FL 32259-6294
Document Number	0054410584
Book / Page	5441 / 584
Map Reference	MB 54 PG 74-87
Instrument Date	Dec 3, 2021
Instrument	2021133425
Transaction Type	Subdivision Related Transfer
Record Updated	May 23, 2023
Title Company	SOUTHERN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,765.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2379 BEVILLE RD, DAYTONA BEACH, FL 32119-8720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 E KESLEY LN, ST JOHNS, FL 32259-6294

Mortgage

Document Number	0005441585
Date	Dec 9, 2021
Instrument	5441/585

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Jan 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	Other
Margin	3
Max Rate	7%

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	539 E KESLEY LN, SAINT JOHNS, FL 32259-6294
Document Number	0050631694
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2379 BEVILLE RD DAYTONA BEACH FL 321198720, DAYTONA BEACH, FL 32119-8720

Mortgage

Document Number	0050631694
Date	Oct 6, 2020
Book Page	005063/001694
Instrument	87908

Lender

Name	FIFTH THIRD BK NA
Address	3344 PEACHTREE RD NE # 800, ATLANTA, GA 30326-4807

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Oct 5, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 539 E Kesley Ln was $13,086 with exemptions applied, up 11.3% 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		$906,802 (+0.72%) Land $210,000 Building $696,802	$906,802 (-0.31%) Land $210,000 Building $696,802
2025	$13,086.00 (+11.28%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$900,346 (+3.11%)	$909,637 (+4.17%) Land $210,000 Building $699,637
2024	$11,760.00 (+2.64%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$873,188 (+0.95%)	$873,188 (+0.95%) Land $205,000 Building $668,188
2023	$11,457.00 (+0.17%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$864,934 (+0.82%)	$864,934 (+0.82%) Land $205,000 Building $659,934
2022	$11,437.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$857,890	$857,890 Land $168,000 Building $689,890

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

Flood

FEMA maps place 539 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 539 E Kesley Ln is moderate, ranking above 42% of the US, with a 0.07% 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	0.07% 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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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