654 Shetland Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 654 Shetland Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,591 sqft · built 2019
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$249,900 (Feb 2019)
Tax Bill	$5,217 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009762-7020`

Property Details

APN / Parcel Number

Primary APN	`009762-7020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,591 sqft Living Area
Gross Area	2,032 sqft
1st Floor Area	1,591 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	654 SHETLAND DR
City	SAINT JOHNS
State	FL
Zip	32259-6642
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	88/79-86 ABERDEEN (DR HORTON PHASE 3) LOT 702 OR4685/159
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	702
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1026
Census Tract	20810

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	654 SHETLAND DR, SAINT JOHNS, FL 32259-6642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CU/FL
Feb 26, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2019 · Amount on Record
Deed Sale	Feb 26, 2019 · Amount on Record
Deed Document Number	201912928
Deed Book / Page	4685 / 159
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	654 SHETLAND DR, SAINT JOHNS, FL 32259-6642
Document Number	0049220471
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	654 SHETLAND DR ST JOHNS FL 322596642, ST JOHNS, FL 32259-6642

Mortgage

Document Number	0049220471
Date	Apr 14, 2020
Book Page	004922/000471
Instrument	28952

Lender

Name	COMMUNITY FIRST CU/FL
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2050

February 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 26, 2019
Property Address	654 SHETLAND DR, SAINT JOHNS, FL 32259-6642
Document Number	0046850159
Book / Page	4685 / 0159
Map Reference	MB 88 PG 79-86
Instrument Date	Feb 22, 2019
Instrument	2019012928
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,749.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 SHETLAND DR, SAINT JOHNS, FL 32259-6642

Mortgage

Document Number	2019012929
Date	Feb 26, 2019
Instrument	2019012929

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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		$260,155 (+2.7%)	$336,623 (-3.85%) Land $95,000 Building $241,623
2025	$5,217.00 (+11%) Homeowner's exemption	$253,315 (+5.99%)	$350,091 (-2.96%) Land $105,000 Building $245,091
2024	$4,700.00 (+1.25%)
2023	$4,642.00 (+2.68%) Homeowner's exemption	$239,006 (+3%)	$360,779 (+12.82%) Land $100,000 Building $260,779
2022	$4,521.00 Homeowner's exemption	$232,045	$319,779 Land $89,600 Building $230,179

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

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	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 141 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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