St. Johns County property record for 540 Sternwheel Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,681 sqft · built 2013 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | Company Name on File |
| Last Sale | $355,400 (Jan 2015) |
| Tax Bill | $3,620 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 000702-0690 |
| Primary APN | 000702-0690 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,681 sqft Living Area |
| Gross Area | 3,362 sqft |
| 1st Floor Area | 2,297 sqft |
| Flooring | Carpet |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,147 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 681 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 474 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 540 STERNWHEEL DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 63/36-46 RIVERTOWN MAIN STREET DISTRICT SECTION 1 LOT 69 |
| Legal Range | 27 |
| Legal Township | 05 |
| Legal Section | 39 |
| Legal Subdivision | RIVERTOWN MAIN STREET DISTRICT SECTION 1 |
| Legal Block | 1 |
| Legal Lot Number | 69 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 20807 |
540 Sternwheel Dr is owned by a company that bought it in January 2015.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2015 · Amount on File |
| Deed Sale | Jan 13, 2015 · Amount on File |
| Prior Sale | Aug 5, 2013 · Amount on File |
| Deed Document Number | 20151923 |
| Deed Book / Page | 3975 / 1058 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 540 STERNWHEEL DR, SAINT JOHNS, FL 32259-8662 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 540 STERNWHEEL DR, SAINT JOHNS, FL 32259-8662 |
| Document Number | 0057541102 |
|---|---|
| Date | May 10, 2023 |
| Book Page | 5754/1102 |
| Instrument | 2023035455 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | May 1, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 540 Sternwheel Dr was $3,620, up 8.1% 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 | $372,654 | $531,494 Land $125,000 Building $406,494 | |
| 2025 | $3,620.00 (+8.12%) | ||
| 2024 | $3,348.00 (+2.26%) | ||
| 2023 | $3,274.00 (+1.11%) | ||
| 2022 | $3,238.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 Sternwheel 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 189 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 189 in force |
| Nearby Flood Claims | 4 (1997–2017) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 540 Sternwheel Dr is moderate, ranking above 45% 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 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 305 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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