641 Sternwheel Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 641 Sternwheel Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,822 sqft · built 2017
Lot Size	0.14 acres (6,098 sqft)
Owner	Company Name on Record
Last Sale	$273,600 (Mar 2017)
Tax Bill	$4,677 (2025)
Deeds & Mortgages	Nov 2017 Transfer Jul 2017 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000702-1240`

Property Details

APN / Parcel Number

Primary APN	`000702-1240`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,822 sqft Living Area
Gross Area	2,253 sqft
1st Floor Area	1,822 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	431 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	296 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	641 STERNWHEEL DR
City	SAINT JOHNS
State	FL
Zip	32259-8606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	64/28-37 RIVERTOWN MAIN STREET DISTRICT SECTION 2 LOT 124 OR4340/874 & 4460/28
Legal Range	27E
Legal Township	05S
Legal Section	39
Legal Subdivision	RIVERTOWN MAIN STREET DISTRICT SEC 2
Legal Phase	2
Legal Block	1
Legal Lot Number	124
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1025
Census Tract	20807

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	641 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2017	Quit Claim Deed, Transfer Quitclaim
Jul 7, 2017	Loan Modification, Mortgage · Conventional Mortgage VYSTAR CU
Mar 6, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2017 · Amount on Record
Deed Sale	Mar 6, 2017 · Amount on Record
Prior Sale	May 25, 2016 · Amount on Record
Deed Document Number	201715869
Deed Book / Page	4340 / 874
Last Transfer Date	Oct 27, 2017
Transfer Doc	0044600028
Record Updated	Oct 29, 2026

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 7, 2017
Property Address	641 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606
Document Number	0044600028
Book / Page	004460 / 000028
Instrument Date	Oct 27, 2017
Instrument	75719
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	641 STERNWHEEL DR ST JOHNS FL 322598606, ST JOHNS, FL 32259-8606

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	641 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606
Document Number	0044071526
Book / Page	004407 / 001526
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 STERNWHEEL DR ST JOHNS FL 322598606, ST JOHNS, FL 32259-8606

Mortgage

Document Number	0044071526
Date	Jul 21, 2017
Book Page	004407/001526
Instrument	50206

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 20, 2032

Interest

Rate Type	Fixed Rate
Rate	3.5%

March 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 6, 2017
Property Address	641 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606
Document Number	0043400874
Book / Page	004340 / 000874
Instrument Date	Feb 28, 2017
Instrument	15869
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 16, 2017
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,915.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 STERNWHEEL DR ST JOHNS FL 322598606, ST JOHNS, FL 32259-8606

Mortgage

Document Number	43400876
Date	Mar 6, 2017
Book Page	004340/000876
Instrument	15870

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2047

Tax Assessment & Valuation

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		$251,696 (+2.7%)	$370,672 (-4.57%) Land $95,000 Building $275,672
2025	$4,677.00 (+12.21%) Homeowner's exemption	$245,079 (+5.99%)	$388,418 (+4.84%) Land $105,000 Building $283,418
2024	$4,168.00 (+2.74%)
2023	$4,057.00 (+2.45%) Homeowner's exemption	$231,235 (+3%)	$370,501 (+6.22%) Land $94,000 Building $276,501
2022	$3,960.00 Homeowner's exemption	$224,500	$348,789 Land $84,000 Building $264,789

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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