1031 Saltwater Cir, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 1031 Saltwater Cir, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,400 sqft · built 2008
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Jun 2020)
Tax Bill	$6,676 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162964-0540`

Property Details

APN / Parcel Number

Primary APN	`162964-0540`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,400 sqft Living Area
Gross Area	2,862 sqft
1st Floor Area	1,362 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	258 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1031 SALTWATER CIR
City	SAINT AUGUSTINE
State	FL
Zip	32080-6306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	53/55-60 SEAGROVE ST AUGUSTINE BEACH UNIT 5 LOT 54 OR4966/1401
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	SEAGROVE ST. AUGUSTINE BEACH UNIT 5
Legal Block	3
Legal Lot Number	54
Legal Unit	5
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3021
Census Tract	21408

Owner

1031 Saltwater Cir is owned and occupied by an individual who bought it in June 2020.

Source: St. Johns County records, as of May 20, 2026

Owner of Record	Individual Name on File
Mailing Address	798 N PONCE DE LEON BLVD, SAINT AUGUSTINE, FL 32084-3519
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Jun 17, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2020 · Amount on File
Deed Sale	Jun 17, 2020 · Amount on File
Prior Sale	Jul 25, 2008 · Amount on File
Deed Document Number	202047351
Deed Book / Page	4966 / 1401
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Apr 30, 2026
Property Address	1031 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6306
Document Number	0063541108
Book / Page	6354 / 1108
Instrument Date	Apr 17, 2026
Instrument	202637076
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6306

Mortgage

Document Number	0000037076,
Date	Apr 30, 2026
Book Page	6354/1108
Instrument	202637076

Lender

Name	AMERIS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 17, 2020
Property Address	1031 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6306
Document Number	0049661401
Book / Page	4966 / 1401
Map Reference	MB 53 PG 55-60
Instrument Date	Jun 17, 2020
Instrument	2020047351
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 CHICKADEE RD, 301, SAINT AUGUSTINE, FL 32080-7210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6306

Mortgage

Document Number	49661403
Date	Jun 17, 2020
Instrument	4966/1403

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1031 Saltwater Cir was $6,676 with a homeowner's exemption, up 8.8% 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
Municipality	St. Augustine Beach City
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$433,364 (+2.7%)	$536,746 (-7.98%) Land $170,000 Building $366,746
2025	$6,676.00 (+8.8%) Homeowner's exemption	$421,971	$583,317 Land $170,000 Building $413,317
2024	$6,136.00 (+4.28%)
2023	$5,884.00 (+1.61%) Homeowner's exemption	$398,135 (+3%)	$547,849 (+9.9%) Land $180,000 Building $367,849
2022	$5,791.00 Homeowner's exemption	$386,539	$498,478 Land $151,200 Building $347,278

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

Flood

FEMA maps place 1031 Saltwater Cir in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 429 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	653 units insured incl. 224 condo units
Nearby Flood Claims	6 (2016–2024)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Matthew, Oct 2016 · 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

Wildfire risk around 1031 Saltwater Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% 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 381 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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