656 Sternwheel Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 656 Sternwheel Dr, Saint Johns, FL 32259 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,010 sqft · built 2017
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Oct 2017)
Tax Bill	$8,104 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000702-1470`

Property Details

APN / Parcel Number

Primary APN	`000702-1470`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	3,010 sqft Living Area
Gross Area	3,530 sqft
1st Floor Area	1,971 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	659 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	656 STERNWHEEL DR
City	SAINT JOHNS
State	FL
Zip	32259-8607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	64/28-37 RIVERTOWN MAIN STREET DISTRICT SECTION 2 LOT 147 OR4445/761
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	147
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1052
Census Tract	20807

Owner

Source: St. Johns County records · APN 000702-1470

Assessment roll updated April 13, 2026 · Last verified April 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 File
Mailing Address	656 STERNWHEEL DR, SAINT JOHNS, FL 32259-8607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 09, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WHITNEY BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 09, 2017 · Amount on Record
Deed Sale	Oct 09, 2017 · Amount on Record
Prior Sale	Dec 01, 2016 · Amount on Record
Deed Document Number	201768297
Deed Book / Page	4445 / 761
Record Updated	Jun 08, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	656 STERNWHEEL DR, SAINT JOHNS, FL 32259-8607
Transaction Type	Mortgage
Record Updated	Nov 06, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 STERNWHEEL DR, SAINT JOHNS, FL 32259-8607

Mortgage

Document Number	0062441601
Date	Oct 24, 2025
Book Page	6244/1601
Instrument	2025086849

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2040

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	656 STERNWHEEL DR, SAINT JOHNS, FL 32259-8607
Transaction Type	Mortgage
Record Updated	Aug 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 STERNWHEEL DR, SAINT JOHNS, FL 32259-8607

Mortgage

Document Number	0050391588
Date	Sep 11, 2020
Book Page	5039/1588
Instrument	2020077457

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

October 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 09, 2017
Property Address	656 STERNWHEEL DR, SAINT JOHNS, FL 32259-8607
Document Number	0044450761
Book / Page	4445 / 0761
Map Reference	MB64 PG28-37
Instrument Date	Oct 05, 2017
Instrument	2017068297
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 02, 2022
Title Company	FIRST INTERNSTIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1629 RACE TRACK RD # RD102, 1629, SAINT JOHNS, FL 32259-6298

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 WELLWOOD AVE, SAINT JOHNS, FL 32259-8220

Mortgage

Document Number	2017068299
Date	Oct 09, 2017
Instrument	2017068299

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$414,058 (+2.7%)	$597,517 (+3.09%) Land $125,000 Building $472,517
2025	$8,104.00 (+1%) Homeowner's exemption	$403,172 (+2.9%)	$579,616 (+0.74%) Land $110,000 Building $469,616
2024	$7,367.00 (+2.14%) Homeowner's exemption	$391,810 (+3%)	$575,333 (+2.93%) Land $99,000 Building $476,333
2023	$7,213.00 (+1.96%) Homeowner's exemption	$380,398 (+3%)	$558,934 (+5.44%) Land $99,000 Building $459,934
2022	$7,074.00 Homeowner's exemption	$369,318	$530,080 Land $89,600 Building $440,480

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090208071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 189 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Irma

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 16% of Florida
Wildfire Likelihood	About 1 in 1,389 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 305 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Fiber	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sternwheel Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures