97 Scotch Pebble Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 97 Scotch Pebble Dr, Saint Johns, FL 32259

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,346 sqft · built 2020
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Aug 2025)
Tax Bill	$3,532 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009901-0190`

Property Details

APN / Parcel Number

Primary APN	`009901-0190`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,346 sqft Living Area
Gross Area	1,614 sqft
1st Floor Area	699 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached
Garage Area	268 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97 SCOTCH PEBBLE DR
City	SAINT JOHNS
State	FL
Zip	32259-6683
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	102/7-14 BRAEWICK LOT 19 OR6196/1652
Legal Range	27E
Legal Township	05S
Legal Section	17
Legal Subdivision	BRAEWICK
Legal Block	1
Legal Lot Number	19
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	3
Census Block	3008
Census Tract	20809

Owner

97 Scotch Pebble Dr, a townhouse, is owned and occupied by two individuals who bought it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	97 SCOTCH PEBBLE DR, SAINT JOHNS, FL 32259-6683
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2025 · Amount on File
Deed Sale	Aug 5, 2025 · Amount on File
Prior Sale	Nov 3, 2020 · Amount on File
Deed Document Number	202562664
Deed Book / Page	6196 / 1652
Record Updated	Sep 20, 2026

November 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 3, 2020
Property Address	97 SCOTCH PEBBLE DR, SAINT JOHNS, FL 32259-6683
Document Number	0050890507
Book / Page	5089 / 507
Map Reference	MB 102 PG 7-14
Instrument Date	Oct 30, 2020
Instrument	2020098778
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 20, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,446.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, RD100, ST JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 SCOTCH PEBBLE DR, SAINT JOHNS, FL 32259-6683

Mortgage

Document Number	0005089508
Date	Nov 3, 2020
Instrument	5089/508

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 97 Scotch Pebble Dr was $3,532, 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		$232,974 (+15.19%) Land $55,000 Building $177,974	$232,974 (-4.39%) Land $55,000 Building $177,974
2025	$3,532.00 (+12.13%) Homeowner's exemption	$202,245 (+2.9%)	$243,673 (+0.21%) Land $50,000 Building $193,673
2024	$3,150.00 (+1.51%) Homeowner's exemption	$196,545 (+3%)	$243,170 (-3.54%) Land $56,000 Building $187,170
2023	$3,103.00 (+2.99%) Homeowner's exemption	$190,820 (+3%)	$252,100 (+18.48%) Land $63,000 Building $189,100
2022	$3,013.00 Homeowner's exemption	$185,262	$212,775 Land $50,400 Building $162,375

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

Flood

FEMA maps place 97 Scotch Pebble Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 42 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	42 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 97 Scotch Pebble Dr is moderate, ranking above 57% 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 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20