725 Spruce Pine Ln, Saint Johns, FL 32259 Property Records

St. Johns County property record for 725 Spruce Pine Ln, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,247 sqft · built 2006
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Jun 2021)
Tax Bill	$5,630 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Nov 2017 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`023431-0150`

Property Details

APN / Parcel Number

Primary APN	`023431-0150`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Stories	2 Stories
Building Area	3,247 sqft Living Area
Gross Area	3,688 sqft
1st Floor Area	1,653 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	346 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	725 SPRUCE PINE LN
City	SAINT JOHNS
State	FL
Zip	32259-7008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	56/3-10 CYPRESS TRACE PHASE II LOT 15 OR5299/1584
Legal Range	28E
Legal Township	05S
Legal Section	03
Legal Subdivision	CYPRESS TRACE PHASE II
Legal Phase	2
Legal Block	2
Legal Lot Number	15
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2009
Census Tract	20904

Owner

725 Spruce Pine Ln is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	725 SPRUCE PINE LN, SAINT JOHNS, FL 32259-7008
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 2, 2017	Loan Modification, Mortgage VYSTAR CU
Jan 25, 2017	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jan 25, 2017	Deed of Trust, Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on File
Deed Sale	Jun 24, 2021 · Amount on File
Prior Sale	Aug 28, 2006 · Amount on File
Deed Document Number	202170523
Deed Book / Page	5299 / 1584
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 24, 2021
Property Address	725 SPRUCE PINE LN, SAINT JOHNS, FL 32259-7008
Document Number	0052991584
Book / Page	5299 / 1584
Map Reference	MB 56 PG 3
Instrument Date	May 27, 2021
Instrument	2021070523
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4311 POWDERHORN CT, MIDDLEBURG, FL 32068-2210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 SPRUCE PINE LN, SAINT JOHNS, FL 32259-7008

Mortgage

Document Number	0052991586
Date	Jun 24, 2021
Instrument	5299/1586

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2036

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	725 SPRUCE PINE LN, SAINT JOHNS, FL 32259-7008
Document Number	0044720731
Book / Page	004472 / 000731
Instrument Date	Nov 2, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	725 SPRUCE PINE LN ST JOHNS FL 322597008, ST JOHNS, FL 32259-7008

Mortgage

Document Number	0044720731
Date	Dec 6, 2017
Book Page	004472/000731
Instrument	82343

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	725 SPRUCE PINE LN, SAINT JOHNS, FL 32259-7008
Document Number	0043260273
Book / Page	004326 / 000273
Instrument Date	Jan 25, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	725 SPRUCE PINE LN ST JOHNS FL 322597008, ST JOHNS, FL 32259-7008

Mortgage

Document Number	0043260273
Date	Feb 2, 2017
Book Page	004326/000273
Instrument	8110

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Feb 1, 2027

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	725 SPRUCE PINE LN, SAINT JOHNS, FL 32259-7008
Document Number	0043250819
Book / Page	004325 / 000819
Instrument Date	Jan 25, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	725 SPRUCE PINE LN ST JOHNS FL 322597008, ST JOHNS, FL 32259-7008

Mortgage

Document Number	0043250819
Date	Feb 1, 2017
Book Page	004325/000819
Instrument	7762

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 725 Spruce Pine Ln was $5,630 with a homeowner's exemption, up 11.4% from the year before.

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		$435,143 (+0.73%) Land $115,000 Building $320,143	$435,143 (+0.73%) Land $115,000 Building $320,143
2025	$5,630.00 (+11.42%) Homeowner's exemption	$431,999 (+2.32%)	$431,999 (+2.32%) Land $115,000 Building $316,999
2024	$5,053.00 (-1.98%) Homeowner's exemption	$422,192 (-0.78%)	$422,192 (-0.78%) Land $115,000 Building $307,192
2023	$5,155.00 (-6.66%) Homeowner's exemption	$425,495 (+2.98%)	$425,495 (+2.98%) Land $115,000 Building $310,495
2022	$5,523.00	$413,163	$413,163 Land $106,400 Building $306,763

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

Flood

FEMA maps place 725 Spruce Pine Ln in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 206 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 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

Wildfire risk around 725 Spruce Pine Ln is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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