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1037 Cedar Cove Dr, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 1037 Cedar Cove Dr, Saint Augustine, FL 32086 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,944 sqft · built 2005
Lot Size0.34 acres (14,810 sqft)
Owner2 Individual Names on File
Last Sale$100 (Jul 2017)
Tax Bill$4,180 (2025)
Deeds & MortgagesMar 2024 Line of Credit
Jan 2021 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN183627-1080

Property Details

APN / Parcel Number

Primary APN183627-1080

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area1,944 sqft Living Area
Gross Area2,670 sqft
1st Floor Area1,944 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialConcrete
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,810 sqft (0.34 acres)
Garage TypeAttached
Garage Area437 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area185 sqft
PorchFinished Screened Porch
Porch Area595 sqft
Patio Area90 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1037 CEDAR COVE DR
CitySAINT AUGUSTINE
StateFL
Zip32086-4835
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description44/30-41 SEA PINES LOT 108 OR3869/521 &4400/1661(L/E)
Legal Range30E
Legal Township08S
Legal Section33
Legal SubdivisionSEA PINES
Legal Block2
Legal Lot Number108
JurisdictionST JOHNS FL
Township / Civil DivisionMATANZAS
Census Block Group2
Census Block2013
Census Tract21211

Owner

Source: St. Johns County records · APN 183627-1080

Assessment roll updated April 13, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address1037 CEDAR COVE DR, SAINT AUGUSTINE, FL 32086-4835
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 11, 2024Deed of Trust, Mortgage · Line of Credit
COMMUNITY FIRST CREDIT UNION OF FLORIDA
Jan 21, 2021Deed of Trust, Mortgage · VA Mortgage
NAVY FCU
Jul 07, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY
May 05, 2017Deed of Trust, Mortgage · VA Mortgage
NAVY FCU
Jan 06, 2017Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 01, 2017 · Amount on Record
Deed SaleJul 01, 2017 · Amount on Record
Prior SaleFeb 02, 2010 · Amount on Record
Deed Book / Page4400 / 1661
Last Transfer DateJul 06, 2017
Transfer Doc0044001661
Record UpdatedSep 20, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address1037 CEDAR COVE DR, SAINT AUGUSTINE, FL 32086-4835
Transaction TypeMortgage
Record UpdatedMar 22, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address1037 CEDAR COVE DR, ST AUGUSTINE, FL 32086-4835

Mortgage

Document Number0059130637
DateMar 11, 2024
Book Page5913/637
Instrument2024018172
Lender
NameCOMMUNITY FIRST CREDIT UNION OF FLORIDA
TypeCredit Union
AddressJACKSONVILLE, FL 32204
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueApr 28, 2054
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address1037 CEDAR COVE DR, SAINT AUGUSTINE, FL 32086-4835
Transaction TypeMortgage
Record UpdatedAug 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1037 CEDAR COVE DR, ST AUGUSTINE BEACH, FL 32086-4835

Mortgage

Document Number0051580418
DateJan 21, 2021
Book Page5158/418
Instrument2021007506
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2051

July 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST JOHNS FL
Recording DateJul 07, 2017
Property Address1037 CEDAR COVE DR, SAINT AUGUSTINE, FL 32086-4835
Document Number0044001661
Book / Page004400 / 001661
Instrument DateJul 06, 2017
Instrument46716
Transaction TypeTransfer
Record UpdatedJul 24, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address1037 CEDAR COVE DR ST AUGUSTINE FL 320864835, ST AUGUSTINE, FL 32086-4835

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address1037 CEDAR COVE DR, SAINT AUGUSTINE, FL 32086-4835
Document Number0043721122
Book / Page004372 / 001122
Instrument DateMay 05, 2017
Transaction TypeMortgage
Record UpdatedJun 21, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1037 CEDAR COVE DR ST AUGUSTINE FL 320864835, ST AUGUSTINE, FL 32086-4835

Mortgage

Document Number0043721122
DateMay 11, 2017
Book Page004372/001122
Instrument32768
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 10, 2047

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address1037 CEDAR COVE DR, SAINT AUGUSTINE, FL 32086-4835
Document Number0043190356
Instrument DateJan 06, 2017
Transaction TypeMortgage
Record UpdatedAug 15, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address1037 CEDAR COVE DR ST AUGUSTINE FL 320864835, ST AUGUSTINE, FL 32086-4835

Mortgage

Document Number0043190356
DateJan 19, 2017
Book Page004319/000356
Instrument4437
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 18, 2047
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$338,251 (+2.7%)$497,522 (-0.47%) Land $156,000 Building $341,522
2025$4,180.00 (+12.67%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$329,358 (+2.9%)$499,896 (+1.25%) Land $156,000 Building $343,896
2024$3,710.00 (+2.06%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$320,076 (+3%)$493,715 (+8.25%) Land $105,280 Building $388,435
2023$3,635.00 (+2.97%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$310,753 (+3%)$456,101 (+9.08%) Land $105,280 Building $350,821
2022$3,530.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$301,702$418,132 Land $105,280 Building $312,852

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090212112, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 109 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies109 in force
92 of 109 on primary residences

Wildfire

Wildfire RiskModerate
above 70% of the US · above 51% of Florida
Wildfire LikelihoodAbout 1 in 452 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

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