103 Esmeralda Rd, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 103 Esmeralda Rd, Saint Augustine, FL 32095 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 4,185 sqft · built 2013
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$395,410 (Dec 2013)
Tax Bill	$5,186 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`071624-0250`

Property Details

APN / Parcel Number

Primary APN	`071624-0250`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	4,185 sqft Living Area
Gross Area	5,257 sqft
1st Floor Area	2,163 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	416 sqft
Porch	Finished Screened Porch
Porch Area	504 sqft
Deck Area	Deck Area
Patio Area	1,508 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 ESMERALDA RD
City	SAINT AUGUSTINE
State	FL
Zip	32095-8508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	68/31-34 LAS CALINAS PARCEL 3A UNIT 4 LOT 25 OR3829/669
Legal Range	29E
Legal Township	05S
Legal Section	28
Legal Subdivision	LAS CALINAS PARCEL 3A UNIT 4
Legal Block	1
Legal Lot Number	25
Legal Unit	4
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3008
Census Tract	20606

Owner

Source: St. Johns County records · APN 071624-0250

Assessment roll updated April 13, 2026 · Last verified April 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	103 ESMERALDA RD, SAINT AUGUSTINE, FL 32095-8508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 26, 2013 · Amount on Record
Deed Sale	Dec 26, 2013 · Amount on Record
Deed Document Number	201382938
Deed Book / Page	3829 / 669
Record Updated	Jun 08, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	103 ESMERALDA RD, SAINT AUGUSTINE, FL 32095-8508
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 ESMERALDA RD, SAINT AUGUSTINE, FL 32095-8508

Mortgage

Document Number	0052420508
Date	Apr 20, 2021
Book Page	5242/508
Instrument	2021043795

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 19, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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		$409,768 (+2.7%)	$720,437 (-5.07%) Land $145,000 Building $575,437
2025	$5,186.00 (+12.23%) Homeowner's exemption	$398,995 (+5.99%)	$758,921 (+2.85%) Land $155,000 Building $603,921
2024	$4,621.00 (+1.94%)
2023	$4,533.00 (+2.79%) Homeowner's exemption	$376,456 (+3%)	$737,925 (+8.27%) Land $100,800 Building $637,125
2022	$4,410.00 Homeowner's exemption	$365,491	$681,587 Land $100,800 Building $580,787

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 121090206063, 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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Cost	Premium on Record median of 221 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 in force 213 of 221 on primary residences

Wildfire

Wildfire Risk	Moderate above 57% of the US · above 29% of Florida
Wildfire Likelihood	About 1 in 893 per year
Exposure	Direct burnable vegetation at the parcel

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.