St. Johns County property record for 103 Zamora St, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3.5 ba · 2,871 sqft · built 2021 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $274,000 (Aug 2018) |
| Tax Bill | $9,712 (2025) |
| Deeds & Mortgages | Aug 2018 Sale Oct 2017 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 148660-0010 |
| Primary APN | 148660-0010 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,871 sqft Living Area |
| Gross Area | 3,711 sqft |
| 1st Floor Area | 180 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 126 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
| Deck Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 103 ZAMORA ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-2985 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 4/48 VILANO BEACH UNIT A LOT 1 BLK 18 OR4594/452 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 09 |
| Legal Subdivision | VILANO BEACH UNIT A |
| Legal Block | 18 |
| Legal Lot Number | 1 |
| Legal Unit | A |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 20603 |
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 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2985 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 8, 2018 | Warranty Deed, Transfer ISLAND TITLE/STATE AUGUSTINE LLC |
| Oct 27, 2017 | Warranty Deed, Construction Loan · Construction Mortgage ARVIS W & F NELL FREEMAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 8, 2018 · Amount on Record |
| Deed Sale | Aug 8, 2018 · Amount on Record |
| Deed Document Number | 201857515 |
| Deed Book / Page | 4594 / 452 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 8, 2018 |
| Property Address | 103 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2985 |
| Document Number | 0045940452 |
| Book / Page | 004594 / 000452 |
| Instrument Date | Aug 8, 2018 |
| Instrument | 57515 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2018 |
| Title Company | ISLAND TITLE/STATE AUGUSTINE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,918.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 207 GENOA RD ST AUGUSTINE FL 320842944, ST AUGUSTINE, FL 32084-2944 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 27, 2017 |
| Property Address | 103 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2985 |
| Document Number | 0044541023 |
| Book / Page | 004454 / 001023 |
| Instrument Date | Oct 26, 2017 |
| Instrument | 72938 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 10, 2017 |
| Title Company | ISLAND TITLE/STATE AUGUSTINE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,169.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 111 MARSHSIDE DR ST AUGUSTINE FL 320805839, ST AUGUSTINE, FL 32080-5839 |
| Document Number | 44541025 |
|---|---|
| Date | Oct 27, 2017 |
| Book Page | 004454/001025 |
| Instrument | 72939 |
| Name | ARVIS W & F NELL FREEMAN |
|---|---|
| Address | 288 SAINT KITTS LOOP, ST AUGUSTINE, FL 32092-1185 |
| Special Notes | Seller Financed |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 26, 2018 |
| Rate | 5% |
|---|
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 | $750,413 (+2.7%) | $1,277,948 (+1.24%) Land $275,400 Building $1,002,548 | |
| 2025 | $9,712.00 (+12.29%) Homeowner's exemption | $730,685 (+3.78%) | $1,262,244 (+12.07%) Land $275,400 Building $986,844 |
| 2024 | $8,649.00 (+1.88%) Homeowner's exemption | $704,072 (+3%) | $1,126,349 (-0.01%) Land $244,800 Building $881,549 |
| 2023 | $8,489.00 (+2.5%) Homeowner's exemption | $683,565 (+3%) | $1,126,499 (+21.05%) Land $244,800 Building $881,699 |
| 2022 | $8,282.00 Homeowner's exemption | $663,655 | $930,570 Land $205,632 Building $724,938 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 212 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 264 units insured incl. 52 condo units |
| Nearby Flood Claims | 54 (1995–2025) |
| Claims Outside the SFHA | 1 of 54 |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| 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 97% of the US · lower than 96% 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 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures