St. Johns County property record for 10 Sea Oaks Dr, Saint Augustine, FL 32080
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,058 sqft · built 1985 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,196 (2025) |
| Deeds & Mortgages | Jun 2021 Reverse Mortgage Jul 2022 Reverse Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 164173-0050 |
| Primary APN | 164173-0050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,058 sqft Living Area |
| Gross Area | 2,478 sqft |
| 1st Floor Area | 1,498 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 145 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 578 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10 SEA OAKS DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32080-7913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 13/73-74 SEA OAKS LOT 5 BLK 3 OR691/1052 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 34 |
| Legal Subdivision | SEA OAKS |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 21409 |
10 Sea Oaks Dr is owned and occupied by an individual who acquired it in July 2022.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10 SEA OAKS DR, SAINT AUGUSTINE, FL 32080-7913 |
| 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.
| Date | Document |
|---|---|
| Jun 28, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Jul 28, 2022 | Intrafamily Transfer, Transfer · Reverse Mortgage THE MONEY HOUSE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jul 19, 2022 |
| Transfer Doc | 0056051427 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 10 SEA OAKS DR, SAINT AUGUSTINE, FL 32080-7913 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10 SEA OAKS DR, ST AUGUSTINE, FL 32080-7913 |
| Document Number | 0053021333 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 5302/1333 |
| Instrument | 2021071673 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.97% |
| Type Change Date | Aug 1, 2021 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 6.97% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 28, 2022 |
| Property Address | 10 SEA OAKS DR, SAINT AUGUSTINE, FL 32080-7913 |
| Document Number | 0056051427 |
| Book / Page | 5605 / 1427 |
| Map Reference | MB 13 PG 73&74 |
| Instrument Date | Jul 19, 2022 |
| Instrument | 2022073243 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10 SEA OAKS DR, SAINT AUGUSTINE, FL 32080-7913 |
| Name | Verified Name |
|---|---|
| Address | 10 SEA OAKS DR, SAINT AUGUSTINE, FL 32080-7913 |
| Document Number | 0056051429 |
|---|---|
| Date | Jul 28, 2022 |
| Instrument | 5605/1429 |
| Name | THE MONEY HOUSE INC |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.36% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Max Rate | 10.3% |
The 2025 property tax bill for 10 Sea Oaks Dr was $2,196 with exemptions applied, up 10.6% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Municipality | St. Augustine Beach City |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $182,865 (+2.7%) | $635,774 (-2.72%) Land $300,000 Building $335,774 | |
| 2025 | $2,196.00 (+10.63%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $178,057 | $653,548 Land $300,000 Building $353,548 |
| 2024 | $1,985.00 (-10.87%) | ||
| 2023 | $2,227.00 (-1.11%) Homeowner's exemption Widower's exemption | $167,999 (+3%) | $567,136 (+17%) Land $225,000 Building $342,136 |
| 2022 | $2,252.00 Homeowner's exemption Widower's exemption | $163,106 | $484,719 Land $190,400 Building $294,319 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Sea Oaks Dr in Zone X, an area of moderate flood risk, though there have been 11 flood claims nearby since 2016.
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 |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 232 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 362 units insured incl. 130 condo units |
| Nearby Flood Claims | 11 (2016–2024) |
| Claims Outside the SFHA | 6 of 11 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 10 Sea Oaks Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 492 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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