1032 Oak Arbor Cir, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 1032 Oak Arbor Cir, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,471 sqft · built 2005
Lot Size	0.23 acres (10,018 sqft)
Owner	Company Name on Record
Last Sale	$243,000 (Jan 2021)
Tax Bill	$3,731 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`103201-0580`

Property Details

APN / Parcel Number

Primary APN	`103201-0580`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,471 sqft Living Area
Gross Area	2,221 sqft
1st Floor Area	1,471 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	215 sqft
Patio Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1032 OAK ARBOR CIR
City	ST AUGUSTINE
State	FL
Zip	32084-8555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/42-48 HERITAGE PARK PHASE 1A LOT 58
Legal Range	29
Legal Township	07
Legal Section	57
Legal Subdivision	HERITAGE PARK PHASE 1A
Legal Block	1
Legal Lot Number	58
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1004
Census Tract	20903

Owner

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	Company Name on Record
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2019	Deed of Trust, Mortgage · FHA Mortgage REGIONS BANK
Jan 4, 2021	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2021 · Amount on Record
Deed Sale	Jan 4, 2021 · Amount on Record
Prior Sale	Aug 19, 2005 · Amount on Record
Deed Document Number	202128
Deed Book / Page	5140 / 1701
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1032 OAK ARBOR CIR, ST AUGUSTINE, FL 32084-8555
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046951849
Date	Mar 19, 2019
Book Page	4695/1849
Instrument	2019018496

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 4, 2021
Property Address	1032 OAK ARBOR CIR, ST AUGUSTINE, FL 32084-8555
Document Number	0051401701
Book / Page	5140 / 1701
Map Reference	MB 50 PG 42-48
Instrument Date	Dec 22, 2020
Instrument	2021000028
Transaction Type	Transfer
Record Updated	Jan 28, 2022
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,701.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2305 S AFT BND, 2305, SAINT JOHNS, FL 32259-6236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8555

Mortgage

Document Number	0051401703
Date	Jan 4, 2021
Instrument	5140/1703

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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		$213,978	$290,295 Land $85,000 Building $205,295
2025	$3,731.00 (+12.01%)
2024	$3,331.00 (+4.06%)
2023	$3,201.00 (+2.4%)
2022	$3,126.00

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

Flood

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 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 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

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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