St. Johns County property record for 539 Shetland Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,856 sqft · built 2018 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $294,411 (Jul 2018) |
| Tax Bill | $2,327 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Oct 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009762-5210 |
| Primary APN | 009762-5210 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,856 sqft Living Area |
| Gross Area | 2,396 sqft |
| 1st Floor Area | 1,856 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 539 SHETLAND DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-6641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 88/79-86 ABERDEEN (DR HORTON PHASE 3) LOT 521 OR4575/101 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 09 |
| Legal Subdivision | ABERDEEN (DR HORTON - PHASE 3) |
| Legal Phase | 3 |
| Legal Block | 1 |
| Legal Lot Number | 521 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 20810 |
539 Shetland Dr is owned and occupied by two individuals who bought it in July 2018.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 539 SHETLAND DR, SAINT JOHNS, FL 32259-6641 |
| 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.
| Date | Document |
|---|---|
| May 22, 2023 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Oct 1, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 15, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 29, 2018 | Deed of Trust, Mortgage DHI MTG |
| Jul 5, 2018 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2018 · Amount on File |
| Deed Sale | Jul 5, 2018 · Amount on File |
| Deed Document Number | 201847637 |
| Deed Book / Page | 4575 / 101 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 539 SHETLAND DR, SAINT JOHNS, FL 32259-6641 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 539 SHETLAND DR, SAINT JOHNS, FL 32259-6641 |
| Document Number | 0057610510 |
|---|---|
| Date | May 22, 2023 |
| Book Page | 5761/510 |
| Instrument | 2023039043 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 539 SHETLAND DR, SAINT JOHNS, FL 32259-6641 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0048050166 |
|---|---|
| Date | Oct 1, 2019 |
| Book Page | 4805/0166 |
| Instrument | 2019072791 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Oct 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 539 SHETLAND DR, SAINT JOHNS, FL 32259-6641 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0049640901 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 4964/901 |
| Instrument | 2020046402 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 539 SHETLAND DR, SAINT JOHNS, FL 32259-6641 |
| Document Number | 0045740702 |
| Instrument Date | Jun 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1140 W KESLEY LN ST JOHNS FL 322593257, ST JOHNS, FL 32259-3257 |
| Document Number | 0045740702 |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 004574/000702 |
| Instrument | 47380 |
| Name | DHI MTG |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78750 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 2, 2048 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 5, 2018 |
| Property Address | 539 SHETLAND DR, SAINT JOHNS, FL 32259-6641 |
| Document Number | 0045750101 |
| Book / Page | 4575 / 0101 |
| Map Reference | MB88 PG79-86 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 2018047637 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084 |
| Name | Verified Name |
|---|---|
| Address | 539 SHETLAND DR, SAINT JOHNS, FL 32259-6641 |
| Document Number | 2018047638 |
|---|---|
| Date | Jul 5, 2018 |
| Instrument | 2018047638 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 539 Shetland Dr was $2,327 with a veteran's exemption, up 10.4% 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 | $271,145 (+2.7%) | $352,304 (-3.35%) Land $95,000 Building $257,304 | |
| 2025 | $2,327.00 (+10.44%) Disabled Person's exemption Veteran's exemption | $264,017 (+2.9%) | $364,505 (+1.86%) Land $105,000 Building $259,505 |
| 2024 | $2,107.00 Disabled Person's exemption Veteran's exemption | $256,576 (+3%) | $357,861 (-5.62%) Land $90,000 Building $267,861 |
| 2023 | $2,107.00 (-54.65%) Disabled Person's exemption Veteran's exemption | $249,103 (+3%) | $379,154 (+13.31%) Land $100,000 Building $279,154 |
| 2022 | $4,646.00 Homeowner's exemption | $241,848 | $334,604 Land $89,600 Building $245,004 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 539 Shetland Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 181 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 181 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 539 Shetland Dr is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 298 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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