1020 Cedar Cove Dr, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 1020 Cedar Cove Dr, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,232 sqft · built 2006
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (May 2018)
Tax Bill	$5,337 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`183627-0160`

Property Details

APN / Parcel Number

Primary APN	`183627-0160`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,232 sqft Living Area
Gross Area	3,191 sqft
1st Floor Area	2,232 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	544 sqft
Porch	Finished Screened Porch
Porch Area	345 sqft
Deck Area	Deck Area
Patio Area	816 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1020 CEDAR COVE DR
City	SAINT AUGUSTINE
State	FL
Zip	32086-4832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	44/30-41 SEA PINES LOT 16 OR4547/1916
Legal Range	30E
Legal Township	08S
Legal Section	33
Legal Subdivision	SEA PINES
Legal Block	2
Legal Lot Number	16
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	2
Census Block	2012
Census Tract	21211

Owner

Source: St. Johns County assessment roll, as of April 13, 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	1020 CEDAR COVE DR, SAINT AUGUSTINE, FL 32086-4832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
May 16, 2018	Warranty Deed, Transfer · Conventional with PMI BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 16, 2018 · Amount on Record
Deed Sale	May 16, 2018 · Amount on Record
Prior Sale	Apr 19, 2004 · Amount on Record
Deed Document Number	201833717
Deed Book / Page	4547 / 1916
Prior Transfer Date	Aug 28, 2007
Prior Transfer Doc	0029780819
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1020 CEDAR COVE DR, SAINT AUGUSTINE, FL 32086-4832
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 CEDAR COVE DR, ST AUGUSTINE, FL 32086-4832

Mortgage

Document Number	0058580910
Date	Nov 16, 2023
Book Page	5858/910
Instrument	2023090351

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1020 CEDAR COVE DR, SAINT AUGUSTINE, FL 32086-4832
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049291708
Date	Apr 24, 2020
Book Page	4929/1708
Instrument	2020031950

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 16, 2018
Property Address	1020 CEDAR COVE DR, SAINT AUGUSTINE, FL 32086-4832
Document Number	0045471916
Book / Page	004547 / 001916
Instrument Date	May 15, 2018
Instrument	33717
Transaction Type	Transfer
Record Updated	Jun 8, 2018
Title Company	BB AND T ML POST CLOSING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1507 TAWNY MARSH CT ST AUGUSTINE FL 320922456, ST AUGUSTINE, FL 32092-2456

Mortgage

Document Number	45471918
Date	May 16, 2018
Book Page	004547/001918
Instrument	33718

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2048

Tax Assessment & Valuation

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		$421,329 (+2.7%)	$564,888 (-0.62%) Land $177,000 Building $387,888
2025	$5,337.00 (+12.15%) Homeowner's exemption	$410,252 (+2.9%)	$568,402 (-0.86%) Land $177,000 Building $391,402
2024	$4,759.00 (+1.97%) Homeowner's exemption	$398,690 (+3%)	$573,315 (+6.97%) Land $118,720 Building $454,595
2023	$4,667.00 (+2.75%) Homeowner's exemption	$387,078 (+3%)	$535,949 (+10.18%) Land $118,720 Building $417,229
2022	$4,542.00 Homeowner's exemption	$375,804	$486,421 Land $118,720 Building $367,701

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

Flood

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 109 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	109 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

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

Wildfire Risk	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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 97 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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