St. Johns County property record for 677 Sternwheel Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,727 sqft · built 2016 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | Company Name on Record |
| Last Sale | $279,400 (Jun 2016) |
| Tax Bill | $4,969 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 000702-1210 |
| Primary APN | 000702-1210 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,727 sqft Living Area |
| Gross Area | 2,189 sqft |
| 1st Floor Area | 1,727 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,662 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 363 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 677 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 121 OR4211/365 |
| 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 | 121 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 20807 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 677 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jan 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC |
| May 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2016 · Amount on Record |
| Deed Sale | Jun 22, 2016 · Amount on Record |
| Prior Sale | Nov 17, 2015 · Amount on Record |
| Deed Document Number | 201639467 |
| Deed Book / Page | 4211 / 365 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 677 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 677 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606 |
| Document Number | 0054661739 |
|---|---|
| Date | Jan 11, 2022 |
| Book Page | 5466/1739 |
| Instrument | 2022003673 |
| Name | CHERRY CREEK MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 677 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606 |
| Document Number | 0049521318 |
| Instrument Date | May 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 677 STERNWHEEL DR ST JOHNS FL 322598606, ST JOHNS, FL 32259-8606 |
| Document Number | 0049521318 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 004952/001318 |
| Instrument | 41293 |
| Name | SPRING EQ LLC |
|---|---|
| Address | PHILADELPHIA, PA 19104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 31, 2035 |
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 | $180,151 (+2.7%) | $367,526 (-4.12%) Land $95,000 Building $272,526 | |
| 2025 | $4,969.00 (+9.74%) Homeowner's exemption Widower's exemption | $175,415 (+5.99%) | $383,317 (+4.81%) Land $105,000 Building $278,317 |
| 2024 | $4,528.00 (+0.96%) | ||
| 2023 | $4,485.00 (+1.84%) Homeowner's exemption | $165,506 (+3%) | $365,738 (+6.24%) Land $94,000 Building $271,738 |
| 2022 | $4,404.00 Homeowner's exemption | $160,685 | $344,261 Land $84,000 Building $260,261 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 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 |
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