655 Tree Side Ln, Ponte Vedra Beach, FL 32081 Property Records

St. Johns County property record for 655 Tree Side Ln, Ponte Vedra Beach, FL 32081

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,490 sqft · built 2018
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$869,900 (Apr 2024)
Tax Bill	$10,167 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072254-0240`

Property Details

APN / Parcel Number

Primary APN	`072254-0240`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,490 sqft Living Area
Gross Area	3,430 sqft
1st Floor Area	2,490 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	668 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	272 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	655 TREE SIDE LN
City	PONTE VEDRA
State	FL
Zip	32081-0028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	90/85-93 RIVERWOOD BY DEL WEBB PHASE 3D UNIT 2 LOT 24 OR5923/1354 & 5960/1799(L/E)
Legal Range	29E
Legal Township	05S
Legal Section	62
Legal Subdivision	RIVERWOOD BY DEL WEBB PHASE 3D UNIT 2
Legal Phase	3D
Legal Lot Number	24
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2010
Census Tract	20605

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	2 Individual Names on Record
Mailing Address	655 TREE SIDE LN, PONTE VEDRA, FL 32081-0028
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 1, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2024 · Amount on Record
Deed Sale	Apr 1, 2024 · Amount on Record
Deed Document Number	202423665
Deed Book / Page	5923 / 1354
Last Transfer Date	Jun 3, 2024
Transfer Doc	0059601799
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	655 TREE SIDE LN, PONTE VEDRA, FL 32081-0028
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 TREE SIDE LN, PONTE VEDRA, FL 32081-0028

Mortgage

Document Number	0062681053
Date	Dec 5, 2025
Book Page	6268/1053
Instrument	2025098944

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 1, 2024
Property Address	655 TREE SIDE LN, PONTE VEDRA, FL 32081-0028
Document Number	0059231354
Book / Page	5923 / 1354
Map Reference	MB 90 PG 85-93
Instrument Date	Mar 27, 2024
Instrument	2024023665
Transaction Type	Transfer
Record Updated	Apr 15, 2024
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,089.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1606 KINNAIRD TER NE, LANSDOWNE, VA 20176-6571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 TREE SIDE LN, PONTE VEDRA BEACH, FL 32081-0028

Mortgage

Document Number	0059231356
Date	Apr 1, 2024
Instrument	5923/1356

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

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		$596,977 (+2.7%)	$680,059 (-3.91%) Land $125,000 Building $555,059
2025	$10,167.00 (+96.5%) Homeowner's exemption	$581,282 (+153.49%)	$707,723 (+6.86%) Land $130,000 Building $577,723
2024	$5,174.00 (+1.09%)
2023	$5,118.00 (+1.65%) Homeowner's exemption	$229,308 (+3%)	$662,285 (+10.44%) Land $130,000 Building $532,285
2022	$5,035.00 Homeowner's exemption	$222,629	$599,655 Land $112,000 Building $487,655

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.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 926 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	926 in force
Nearby Flood Claims	1 (2017)
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	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	0.3% 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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Fiber	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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