St. Johns County property record for 103 San Rafael Rd, Saint Augustine, FL 32080
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,895 sqft · built 1980 |
| Lot Size | 0.43 acres (18,730 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Jan 2019) |
| Tax Bill | $4,371 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 161144-0000 |
| Primary APN | 161144-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,895 sqft Living Area |
| Gross Area | 2,875 sqft |
| 1st Floor Area | 1,895 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,730 sqft (0.43 acres) |
| Lot Dimensions | 140 ft deep x 126 ft wide |
| Garage Type | Attached |
| Garage Area | 590 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Glass Porch |
| Porch Area | 60 sqft |
| Patio Area | 187 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 103 SAN RAFAEL RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32080-5420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RG1 |
| Legal Description | 3-76 EL GRANADA SUB LOTS 1 2 & 3 (EX R/W RD IN DB226/95) & W 1/2 LOT 4 BLK D OR4673/69 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 28 |
| Legal Subdivision | EL GRANADA |
| Legal Block | D |
| Legal Lot Number | 1,4 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 21408 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within Spanish Coquina Quarries listed 1972 · 1 contributing resources · NRIS 72001462 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 103 SAN RAFAEL RD, SAINT AUGUSTINE, FL 32080-5420 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 3, 2022 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Jan 29, 2019 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2019 · Amount on Record |
| Deed Sale | Jan 29, 2019 · Amount on Record |
| Prior Sale | May 1, 2001 · Amount on Record |
| Deed Document Number | 20196303 |
| Deed Book / Page | 4673 / 69 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 103 SAN RAFAEL RD, SAINT AUGUSTINE, FL 32080-5420 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | ACTION TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 103 SAN RAFAEL RD, SAINT AUGUSTINE, FL 32080-5420 |
| Document Number | 0055501832 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 5550/1832 |
| Instrument | 2022045316 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 29, 2019 |
| Property Address | 103 SAN RAFAEL RD, SAINT AUGUSTINE, FL 32080-5420 |
| Document Number | 0046730069 |
| Book / Page | 004673 / 000069 |
| Instrument Date | Jan 29, 2019 |
| Instrument | 6303 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2019 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,870.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 SAN RAFAEL RD ST AUGUSTINE FL 320805420, ST AUGUSTINE, FL 32080-5420 |
| Document Number | 46730077 |
|---|---|
| Date | Jan 29, 2019 |
| Book Page | 004673/000077 |
| Instrument | 6306 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 28, 2049 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $346,441 (+2.7%) | $530,384 (+3.31%) Land $122,000 Building $408,384 | |
| 2025 | $4,371.00 (+12.48%) Homeowner's exemption | $337,333 (+2.9%) | $513,415 (+5.83%) Land $122,000 Building $391,415 |
| 2024 | $3,886.00 (+1.99%) Homeowner's exemption | $327,826 (+3%) | $485,141 (+0.46%) Land $106,400 Building $378,741 |
| 2023 | $3,810.00 (+2.89%) Homeowner's exemption | $318,278 (+3%) | $482,898 (+3.6%) Land $106,400 Building $376,498 |
| 2022 | $3,703.00 Homeowner's exemption | $309,008 | $466,126 Land $106,400 Building $359,726 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 293 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 293 in force |
| Nearby Flood Claims | 4 (2016–2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 219 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 |
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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