732 Mill Stream Rd, Ponte Vedra Beach, FL 32082 Property Records

St. Johns County property record for 732 Mill Stream Rd, Ponte Vedra Beach, FL 32082

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,715 sqft · built 1999
Lot Size	0.21 acres (9,147 sqft)
Owner	2 Individual Names on File
Last Sale	$522,000 (Oct 2020)
Tax Bill	$5,539 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`068442-2100`

Property Details

APN / Parcel Number

Primary APN	`068442-2100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,715 sqft Living Area
Gross Area	3,261 sqft
1st Floor Area	2,272 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	248 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	732 MILL STREAM RD
City	PONTE VEDRA BEACH
State	FL
Zip	32082-4145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	34/28-32 ODOMS MILL UNIT TWO PHASE II LOT 10 OR5067/1699
Legal Range	29E
Legal Township	04S
Legal Section	43
Legal Subdivision	ODOMS MILL UNIT 2 PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	10
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	PONTE VEDRA
Census Block Group	1
Census Block	1001
Census Tract	20706

Owner

732 Mill Stream Rd is owned and occupied by two individuals who bought it in October 2020.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	732 MILL STREAM RD, PONTE VEDRA BEACH, FL 32082-4145
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020 · Amount on File
Deed Sale	Oct 9, 2020 · Amount on File
Prior Sale	Jul 14, 2003 · Amount on File
Deed Document Number	202089495
Deed Book / Page	5067 / 1699
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 9, 2020
Property Address	732 MILL STREAM RD, PONTE VEDRA BEACH, FL 32082-4145
Document Number	0050671699
Book / Page	5067 / 1699
Map Reference	MB 34 PG 28-32
Instrument Date	Oct 9, 2020
Instrument	2020089495
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ST JOHNS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,654.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	417 BIG TREE RD, 417, PONTE VEDRA BEACH, FL 32082-4142

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	732 MILL STREAM RD, PONTE VEDRA BEACH, FL 32082-4145

Mortgage

Document Number	50671701
Date	Oct 9, 2020
Instrument	5067/1701

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 732 Mill Stream Rd was $5,539 with a homeowner's exemption, up 12.1% 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		$436,751 (+2.7%)	$708,995 (+2.08%) Land $175,000 Building $533,995
2025	$5,539.00 (+12.08%) Homeowner's exemption	$425,269 (+2.9%)	$694,538 (+11.25%) Land $165,000 Building $529,538
2024	$4,942.00 (+1.96%) Homeowner's exemption	$413,284 (+3%)	$624,279 (-5.16%) Land $145,000 Building $479,279
2023	$4,847.00 (+2.73%) Homeowner's exemption	$401,247 (+3%)	$658,267 (+15.8%) Land $160,000 Building $498,267
2022	$4,718.00 Homeowner's exemption	$389,560	$568,435 Land $145,600 Building $422,835

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

Flood

FEMA maps place 732 Mill Stream Rd in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
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 186 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	186 in force
Nearby Flood Claims	17 (1992–2024)
Claims Outside the SFHA	3 of 17
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Oct 2017 · 3 claims Hurricane Matthew, Oct 2016 · 2 claims

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 732 Mill Stream Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20