St. Johns County property record for 685 Sternwheel Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,230 sqft · built 2017 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $530,000 (Aug 2024) |
| Tax Bill | $8,706 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Mar 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000702-1200 |
| Primary APN | 000702-1200 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,230 sqft Living Area |
| Gross Area | 2,736 sqft |
| 1st Floor Area | 2,230 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,662 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 511 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 685 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 120 OR5997/1342 |
| 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 | 120 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 20807 |
685 Sternwheel Dr is owned and occupied by two individuals who bought it in August 2024.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 685 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 7, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Dec 29, 2017 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage AMERIS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2024 · Amount on File |
| Deed Sale | Aug 5, 2024 · Amount on File |
| Prior Sale | Dec 29, 2017 · Amount on File |
| Deed Document Number | 202461292 |
| Deed Book / Page | 5997 / 1342 |
| Prior Transfer Date | Feb 28, 2023 |
| Prior Transfer Doc | 0057190944 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 685 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 685 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606 |
| Investor | Possibly a Property Investor |
| Document Number | 0054541231 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 5454/1231 |
| Instrument | 2021139454 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 7, 2023 |
| Property Address | 685 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606 |
| Document Number | 0057190944 |
| Book / Page | 5719 / 944 |
| Map Reference | MB 64 PG 28-37 |
| Instrument Date | Feb 28, 2023 |
| Instrument | 2023016990 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 92 RIVERWALK BLVD, SAINT JOHNS, FL 32259-8620 |
| Name | Verified Name |
|---|---|
| Address | 685 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606 |
| Document Number | 0005719947 |
|---|---|
| Date | Mar 7, 2023 |
| Instrument | 5719/947 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 29, 2017 |
| Property Address | 685 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606 |
| Document Number | 0044840171 |
| Book / Page | 4484 / 0171 |
| Map Reference | MB64 PG28-37 |
| Instrument Date | Dec 21, 2017 |
| Instrument | 2017088128 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | SEA GLASS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1629 RACE TRACK RD # RD102, 1629, SAINT JOHNS, FL 32259-6298 |
| Name | Verified Name |
|---|---|
| Relationship | Estate |
| Address | 685 STERNWHEEL DR, SAINT JOHNS, FL 32259-8606 |
| Document Number | 2017088129 |
|---|---|
| Date | Dec 29, 2017 |
| Instrument | 2017088129 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
The 2025 property tax bill for 685 Sternwheel Dr was $8,706, up 56.9% from the year before.
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 | $428,268 (-4.38%) Land $95,000 Building $333,268 | $428,268 (-4.38%) Land $95,000 Building $333,268 | |
| 2025 | $8,706.00 (+56.92%) Homeowner's exemption | $447,908 (+81.48%) | $447,908 (+2.34%) Land $105,000 Building $342,908 |
| 2024 | $5,548.00 (+2.25%) Homeowner's exemption | $246,811 (+3%) | $437,686 (+2.77%) Land $94,000 Building $343,686 |
| 2023 | $5,426.00 (+1.9%) Homeowner's exemption | $239,622 (+3%) | $425,887 (+5.98%) Land $94,000 Building $331,887 |
| 2022 | $5,325.00 Homeowner's exemption | $232,643 | $401,845 Land $84,000 Building $317,845 |
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.
FEMA maps place 685 Sternwheel Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 risk around 685 Sternwheel Dr is low, with a 0.02% annual chance of wildfire.
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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