St. Johns County property record for 728 Navigators Rd, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,494 sqft · built 2023 |
| Lot Size | 0.26 acres (11,325 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $635,000 (Jun 2026) |
| Tax Bill | $9,041 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 009821-0100 |
| Primary APN | 009821-0100 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,494 sqft Living Area |
| Gross Area | 2,932 sqft |
| 1st Floor Area | 2,494 sqft |
| Flooring | Carpet |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,325 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 438 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 250 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 728 NAVIGATORS RD |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-6335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 112/39-54 MIDDLEBOURNE PHASE ONE LOT 10 OR5694/1501 |
| Legal Subdivision | MIDDLEBOURNE PHASE ONE |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 20810 |
Source: St. Johns County records · APN 009821-0100
Assessment roll updated April 13, 2026 · Last verified June 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 | 728 NAVIGATORS RD, SAINT JOHNS, FL 32259-6335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 02, 2026 | Warranty Deed, Transfer · Conventional Mortgage U S BANK N A |
| Jan 13, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST COAST MORTGAGE FUNDING LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 02, 2026 · Amount on Record |
| Deed Sale | Jun 02, 2026 · Amount on Record |
| Prior Sale | Jan 13, 2023 · Amount on Record |
| Deed Document Number | 202647130 |
| Deed Book / Page | 6375 / 1311 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 02, 2026 |
| Property Address | 728 NAVIGATORS RD, SAINT JOHNS, FL 32259-6335 |
| Document Number | 0000047130 |
| Book / Page | 6375 / 1311 |
| Instrument Date | May 29, 2026 |
| Instrument | 202647130 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2026 |
| Title Company | ASSOCIATED ATTY TITLE AND CL, ASSOCIATED ATTORNEY TITLE & CL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $448,945.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 728 NAVIGATORS RD, SAINT JOHNS, FL 32259-6335 |
| Document Number | 0000047131, |
|---|---|
| Date | Jun 02, 2026 |
| Instrument | 202647131 |
| Name | U S BANK N A |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 13, 2023 |
| Property Address | 728 NAVIGATORS RD, SAINT JOHNS, FL 32259-6335 |
| Document Number | 0056941501 |
| Book / Page | 5694 / 1501 |
| Map Reference | MB 112 PG 39-54 |
| Instrument Date | Jan 09, 2023 |
| Instrument | 2023003476 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | TOWN SQUARE TITLE LIMITED, TOWN SQUARE TITLE LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,517.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 680 CROSSWATER PKWY, PONTE VEDRA, FL 32081-0768 |
| Name | Verified Name |
|---|---|
| Address | 728 NAVIGATORS RD, ST JOHNS, FL 32259-6335 |
| Document Number | 0056941503 |
|---|---|
| Date | Jan 13, 2023 |
| Instrument | 5694/1503 |
| Name | FIRST COAST MORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2053 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $558,934 (+1.42%) Land $150,000 Building $408,934 | $558,934 (+1.42%) Land $150,000 Building $408,934 | |
| 2025 | $9,041.00 (+7.06%) Homeowner's exemption | $551,120 (+0.45%) | $551,120 (+0.45%) Land $150,000 Building $401,120 |
| 2024 | $8,445.00 (+102.91%) Homeowner's exemption | $548,636 (+265.76%) | $548,636 (+265.76%) Land $145,000 Building $403,636 |
| 2023 | $4,162.00 | $150,000 | $150,000 Land $150,000 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 181 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 181 in force |
| Wildfire Risk | Moderate above 58% of the US · lower than 68% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 77 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | JEA MAJOR GRID serves 826,664 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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