1028 Oak Arbor Cir, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 1028 Oak Arbor Cir, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,447 sqft · built 2005
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$77,500 (Feb 2018)
Tax Bill	$2,703 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`103201-0570`

Property Details

APN / Parcel Number

Primary APN	`103201-0570`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,447 sqft Living Area
Gross Area	1,849 sqft
1st Floor Area	1,447 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	402 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	49 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1028 OAK ARBOR CIR
City	SAINT AUGUSTINE
State	FL
Zip	32084-8555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/42-48 HERITAGE PARK PHASE 1A LOT 57 OR3094/452 & 3157/752 &4507/1395(Q/C)
Legal Range	29E
Legal Township	07S
Legal Section	57
Legal Subdivision	HERITAGE PARK PHASE 1A
Legal Phase	1A
Legal Block	1
Legal Lot Number	57
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1004
Census Tract	20903

Owner

Source: St. Johns County records, 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 Record
Mailing Address	1028 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 26, 2018	Quit Claim Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2018 · Amount on Record
Deed Sale	Feb 26, 2018 · Amount on Record
Prior Sale	Jun 17, 2008 · Amount on Record
Deed Document Number	201812570
Deed Book / Page	4507 / 1395
Prior Transfer Date	Jan 11, 2018
Prior Transfer Doc	0045071395
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1028 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8555
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0051771447
Date	Feb 11, 2021
Book Page	5177/1447
Instrument	2021015797

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 26, 2018
Property Address	1028 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8555
Document Number	0045071395
Book / Page	004507 / 001395
Instrument Date	Jan 11, 2018
Instrument	12570
Transaction Type	Transfer
Record Updated	Mar 8, 2018

Transaction

Amount	Amount Recorded
Tax	$542.50
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1028 OAK ARBOR CIR ST AUGUSTINE FL 320848555, ST AUGUSTINE, FL 32084-8555

Mortgage

Document Number	45071397
Date	Feb 26, 2018
Book Page	004507/001397
Instrument	12571

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 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		$135,913 (+2.7%)	$266,796 (+3.94%) Land $85,000 Building $181,796
2025	$2,703.00 (+12.63%) Homeowner's exemption	$132,340 (+2.9%)	$256,681 (-6.84%) Land $80,000 Building $176,681
2024	$2,400.00 (+4.99%) Homeowner's exemption	$128,610 (+3%)	$275,538 (+5.69%) Land $90,000 Building $185,538
2023	$2,286.00 (+2.47%) Homeowner's exemption	$124,864 (+3%)	$260,709 (+0.55%) Land $90,000 Building $170,709
2022	$2,231.00 Homeowner's exemption	$121,227	$259,286 Land $80,640 Building $178,646

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 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	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 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	5 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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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