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104 Silver Reef Ln, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 104 Silver Reef Ln, Saint Augustine, FL 32095 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage2,276 sqft Living Area
Lot Size9,583 sqft (0.22 acres)
OccupancyOwner Occupied
Last Sale$353,900 (2019)
Tax Bill$5,856.00 (2025)

Property Details

APN / Parcel Number

Primary APN023713-3270

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures11 Plumbing Fixtures
Building Area2,276 sqft Living Area
Gross Area3,103 sqft Gross Area
1st Floor2,276 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialConcrete Exterior
Construction TypeWood Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,583 sqft (0.22 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area627 sqft Garage
Porch Area240 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address104 SILVER REEF LN
CitySAINT AUGUSTINE
StateFL
Zip32095-7526
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description92/81-90 CREEKSIDE AT TWIN CREEKS PHASE 2A LOT 327 OR4772/970
Legal Range28E
Legal Township05S
Legal Section14
Legal SubdivisionCREEKSIDE AT TWIN CREEKS PHASE 2A
Legal Phase2A
Legal Block1
Legal Lot Number327
JurisdictionST JOHNS FL
Minor Civil DivisionST. AUGUSTINE
Census Blockgroup2
Census Block2043
Census Tract20904

Owner

Source: St. Johns County records · APN 023713-3270

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

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

Owner of RecordIndividual Name on File
Mailing Address104 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 20, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 05, 2019Special Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 05, 2019 · Amount on Record
Deed SaleAug 05, 2019 · Amount on Record
Deed Doc Number201957024
Deed Book / Page4772 / 970
Record RefreshedJun 08, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address104 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0050210209
DateAug 20, 2020
Book Page5021/209
Instrument2020069809
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

August 2019: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateAug 05, 2019
Property Address104 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526
Document Number0047720970
Book / Page4772 / 0970
Map ReferenceMB 92 PG 81
Instrument DateAug 02, 2019
Instrument2019057024
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 02, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,477.30
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

NameVerified Name
Address104 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526

Mortgage

Document Number0004772974
DateAug 05, 2019
Instrument4772/974
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2049

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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$339,437 (+2.7%)$436,641 (-0.44%) Land $110,000 Building $326,641
2025$5,856.00 (+8.85%) Homeowner's exemption$330,513 (+5.99%)$438,580 (+16.23%) Land $105,000 Building $333,580
2024$5,380.00 (+0.75%)
2023$5,340.00 (+2.01%) Homeowner's exemption$311,843 (+3%)$377,345 (+1.77%) Land $95,000 Building $282,345
2022$5,235.00 Homeowner's exemption$302,760$370,768 Land $84,000 Building $286,768

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 100 ft

Wildfire

Wildfire RiskModerate
above 47% of the US · above 17% of Florida
Wildfire LikelihoodAbout 1 in 1,235 per year
ExposureIndirect
within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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