103 Spring Creek Way, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 103 Spring Creek Way, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,353 sqft · built 2015
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Mar 2025)
Tax Bill	$5,973 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026484-0440`

Property Details

APN / Parcel Number

Primary APN	`026484-0440`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,353 sqft Living Area
Gross Area	2,963 sqft
1st Floor Area	2,009 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
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	442 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 SPRING CREEK WAY
City	SAINT AUGUSTINE
State	FL
Zip	32095-8960
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 44 OR6109/1644
Legal Range	28E
Legal Township	05S
Legal Section	21
Legal Subdivision	SANDY CREEK PHASES 2A AND 2B
Legal Block	1
Legal Lot Number	44
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2078
Census Tract	20904

Owner

103 Spring Creek Way is owned and occupied by two individuals who bought it in March 2025.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	103 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8960
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2025 · Amount on File
Deed Sale	Mar 6, 2025 · Amount on File
Prior Sale	Jul 3, 2024 · Amount on File
Deed Document Number	202517708
Deed Book / Page	6109 / 1644
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Sep 6, 2023
Property Address	103 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8960
Document Number	0050400938
Book / Page	5040 / 938
Map Reference	MB 74 PG 86&98
Instrument Date	Sep 1, 2023
Instrument	5239121
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	TRULY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 N BIG CYPRESS DR # DR146, DR146, SAINT JOHNS, FL 32259-1954

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8960

Mortgage

Document Number	0005040940
Date	Sep 6, 2023
Instrument	5040/940

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 103 Spring Creek Way was $5,973, up 12% from the year before.

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		$387,972 (-7.34%) Land $100,000 Building $287,972	$387,972 (-7.34%) Land $100,000 Building $287,972
2025	$5,973.00 (+11.96%) Homeowner's exemption	$418,720 (+3.34%)	$418,720 (+3.34%) Land $100,000 Building $318,720
2024	$5,335.00 (+2,000.39%)	$405,171 (+49.8%)	$405,171 (-0.78%) Land $100,000 Building $305,171
2023	$254.00 (+7.63%) Disabled Person's exemption Veteran's exemption	$270,469 (+3%)	$408,349 (+7.18%) Land $100,000 Building $308,349
2022	$236.00 Disabled Person's exemption Veteran's exemption	$262,591	$380,993 Land $84,000 Building $296,993

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

Flood

FEMA maps place 103 Spring Creek Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 206 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 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

Wildfire risk around 103 Spring Creek Way is moderate, ranking above 65% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Lead	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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

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