1025 Ardmore St, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 1025 Ardmore St, Saint Augustine, FL 32092 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,425 sqft · built 2003
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$239,000 (Nov 2020)
Tax Bill	$2,616 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`028821-0840`

Property Details

APN / Parcel Number

Primary APN	`028821-0840`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,425 sqft Living Area
Gross Area	1,825 sqft
1st Floor Area	1,425 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	33 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1025 ARDMORE ST
City	SAINT AUGUSTINE
State	FL
Zip	32092-3423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	41/58-66 MEADOWS AT ST JOHNS PH 1 LOT 84 OR5087/696
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	MEADOWS AT SAINT JOHNS PHASE 1
Legal Phase	1
Legal Block	4
Legal Lot Number	84
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4017
Census Tract	20905

Owner

Source: St. Johns County records · APN 028821-0840

Assessment roll updated April 13, 2026 · Last verified June 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 File
Mailing Address	1025 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 02, 2020 · Amount on Record
Deed Sale	Nov 02, 2020 · Amount on Record
Prior Sale	Jun 30, 2005 · Amount on Record
Deed Document Number	202097922
Deed Book / Page	5087 / 696
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1025 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3423
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 ARDMORE ST, ST AUGUSTINE, FL 32092-3423

Mortgage

Document Number	0062940617
Date	Jan 26, 2026
Book Page	6294/617
Instrument	2026006235

Lender

Name	UPSTART MORTGAGE LLC
Type	Mortgage Company
Address	SAN MATEO, CA 94403

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 20, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$213,804 (+2.7%)	$269,860 (-1.11%) Land $70,000 Building $199,860
2025	$2,616.00 (+13.94%) Homeowner's exemption	$208,183 (+5.99%)	$272,879 (-7.53%) Land $70,000 Building $202,879
2024	$2,296.00 (+2.18%)
2023	$2,247.00 (+3.41%) Homeowner's exemption	$196,423 (+3%)	$295,087 (+7.7%) Land $82,790 Building $212,297
2022	$2,173.00 Homeowner's exemption	$190,702	$274,000 Land $73,920 Building $200,080

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209054, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 79 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force 78 of 79 on primary residences
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, tidal / storm surge, Hurricane Irma

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 12% of Florida
Wildfire Likelihood	About 1 in 1,667 per year
Exposure	Indirect within ember reach

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.