St. Johns County property record for 786 Ginger Mill Dr, Saint Johns, FL 32259
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,599 sqft · built 2005 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,400 (Sep 2005) |
| Tax Bill | $1,880 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage May 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 249554-0422 |
| Primary APN | 249554-0422 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,599 sqft Living Area |
| Gross Area | 1,851 sqft |
| 1st Floor Area | 662 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,742 sqft (0.04 acres) |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 104 sqft |
| Patio Area | 86 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 786 GINGER MILL DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-6266 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PUD |
| Legal Description | 49/9-12 RIVERSIDE AT JULINGTON CREEK PLANTATION PHASES 2 3 & 4 LOT 42-B OR2546/743 |
| Legal Range | 27E |
| Legal Township | 04S |
| Legal Section | 34 |
| Legal Subdivision | RIVERSIDE AT JULINGTON CREEK PLANTATION |
| Legal Block | 2 |
| Legal Lot Number | 42-B |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 20801 |
Source: St. Johns County records, as of July 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 786 GINGER MILL DR, SAINT JOHNS, FL 32259-6266 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| May 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Mar 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage SOUTHPOINT FINANCIAL SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2005 · Amount on Record |
| Deed Sale | Sep 28, 2005 · Amount on Record |
| Deed Document Number | 200580569 |
| Deed Book / Page | 2546 / 743 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 30, 2026 |
| Property Address | 786 GINGER MILL DR, SAINT JOHNS, FL 32259-6266 |
| Document Number | 0000056000 |
| Book / Page | 6392 / 1909 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 202656000 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 786 GINGER MILL DR, SAINT JOHNS, FL 32259-6266 |
| Document Number | 0000056000, |
|---|---|
| Date | Jun 30, 2026 |
| Book Page | 6392/1909 |
| Instrument | 202656000 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Jun 1, 2052 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 786 GINGER MILL DR, SAINT JOHNS, FL 32259-6266 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 786 GINGER MILL DR, SAINT JOHNS, FL 32259-6266 |
| Document Number | 0055650166 |
|---|---|
| Date | May 25, 2022 |
| Book Page | 5565/166 |
| Instrument | 2022052810 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 786 GINGER MILL DR, SAINT JOHNS, FL 32259-6266 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0049030373 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 4903/373 |
| Instrument | 2020021220 |
| Name | SOUTHPOINT FINANCIAL SERVICES INC |
|---|---|
| Type | Subprime Lender |
| Address | ALPHARETTA, GA 30005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
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 | $116,329 (+2.7%) | $234,570 (-5.84%) Land $50,000 Building $184,570 | |
| 2025 | $1,880.00 (+14.77%) Homeowner's exemption Senior Citizen's exemption | $113,271 (+5.99%) | $249,108 (+1.31%) Land $53,000 Building $196,108 |
| 2024 | $1,638.00 (+21.06%) | ||
| 2023 | $1,353.00 (+3.84%) Homeowner's exemption Senior Citizen's exemption | $106,873 (+3%) | $245,877 (+3.92%) Land $50,000 Building $195,877 |
| 2022 | $1,303.00 Homeowner's exemption Senior Citizen's exemption | $103,760 | $236,607 Land $44,800 Building $191,807 |
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 38 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 38 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.
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 | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 287 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
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