103 Cowry Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 103 Cowry Rd, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,660 sqft · built 2025
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Mar 2026)
Tax Bill	$1,795 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`225000-0000`

Property Details

APN / Parcel Number

Primary APN	`225000-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,660 sqft Living Area
Gross Area	2,058 sqft
1st Floor Area	1,660 sqft
Flooring	Carpet

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,325 sqft (0.26 acres)
Lot Dimensions	100 ft deep x 129 ft wide
Garage Type	Attached
Garage Area	398 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 COWRY RD
City	SAINT AUGUSTINE
State	FL
Zip	32086-5709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	8-34 ST AUG SOUTH UT 2 LOTS 316 & 317 & N1/2 OF OF LOT 318 OR6110/874
Legal Range	30E
Legal Township	07S
Legal Section	41
Legal Subdivision	ST. AUGUSTINE SOUTH UNIT 2
Legal Block	2
Legal Lot Number	316-3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1038
Census Tract	21302

Owner

Source: St. Johns County records, as of June 30, 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	103 COWRY RD, SAINT AUGUSTINE, FL 32086-5709
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	Mar 7, 2025 · Amount on Record
Deed Document Number	202620916
Deed Book / Page	6321 / 1346
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 10, 2026
Property Address	103 COWRY RD, SAINT AUGUSTINE, FL 32086-5709
Document Number	0063211346
Book / Page	6321 / 1346
Map Reference	MB 8 PG 34
Instrument Date	Mar 10, 2026
Instrument	2026020916
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2085 A1A S # S301, S301, ST AUGUSTINE, FL 32080-6536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 COWRY RD, ST AUGUSTINE, FL 32086-5709

Mortgage

Document Number	0063211348
Date	Mar 10, 2026
Instrument	6321/1348

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

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		$460,008 (+166.51%) Land $169,119 Building $290,889	$460,008 (+166.51%) Land $169,119 Building $290,889
2025	$1,795.00 (+14.62%)	$172,602 (-)	$172,602 (-) Land $172,602
2024	$1,566.00 (+2.29%)	$172,602 (-)	$172,602 (-) Land $172,602
2023	$1,531.00 (+29.86%)	$172,602 (+49.33%)	$172,602 (+49.33%) Land $172,602
2022	$1,179.00	$115,584	$115,584 Land $115,584

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 76 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	76 in force
Nearby Flood Claims	52 (1981–2019)
Claims Outside the SFHA	17 of 52
Most Recent Claim	Oct 2019 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 9 claims Hurricane Matthew, Oct 2016 · 13 claims Hurricane Frances, Sep 2004 · 3 claims

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	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20