St. Johns County property record for 548 Saddlestone Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,230 sqft · built 2011 |
| Lot Size | 0.28 acres (12,196 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $759,000 (Aug 2023) |
| Tax Bill | $11,911 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009631-6054 |
| Primary APN | 009631-6054 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,230 sqft Living Area |
| Gross Area | 3,730 sqft |
| 1st Floor Area | 2,676 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,196 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 350 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 552 sqft |
| Deck Area | Deck Area |
| Patio Area | 270 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 548 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 54 OR5803/1403 |
| 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 | 54 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 548 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Nov 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2023 · Amount on Record |
| Deed Sale | Aug 3, 2023 · Amount on Record |
| Prior Sale | Oct 19, 2011 · Amount on Record |
| Deed Document Number | 202360921 |
| Deed Book / Page | 5803 / 1403 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 3, 2023 |
| Property Address | 548 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Document Number | 0058031403 |
| Book / Page | 5803 / 1403 |
| Map Reference | MB 58 PG 70-81 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 2023060921 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Title Company | MILESTONE TITLE SERVICES, MILESTONE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,313.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 548 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Document Number | 0058031405 |
|---|---|
| Date | Aug 3, 2023 |
| Instrument | 5803/1405 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 548 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 548 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Document Number | 0055031319 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | 5503/1319 |
| Instrument | 2022021919 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 548 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0044610465 |
|---|---|
| Date | Nov 9, 2017 |
| Book Page | 4461/0465 |
| Instrument | 2017076437 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 548 SADDLESTONE DR, SAINT JOHNS, FL 32259-8204 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0049731090 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 4973/1090 |
| Instrument | 2020050198 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
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 | $618,475 (-2.33%) Land $135,000 Building $483,475 | $618,475 (-2.33%) Land $135,000 Building $483,475 | |
| 2025 | $11,911.00 (+3.9%) Homeowner's exemption | $633,212 (-4.22%) | $633,212 (-4.22%) Land $160,000 Building $473,212 |
| 2024 | $11,464.00 (+49.7%) Homeowner's exemption | $661,135 (+84.75%) | $661,135 (+3.87%) Land $160,000 Building $501,135 |
| 2023 | $7,658.00 (+4.18%) Homeowner's exemption | $357,857 (+3%) | $636,528 (+3.55%) Land $134,000 Building $502,528 |
| 2022 | $7,351.00 Homeowner's exemption | $347,434 | $614,685 Land $128,800 Building $485,885 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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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