105 Bedford Ter, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 105 Bedford Ter, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,909 sqft · built 2025
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$429,000 (Dec 2025)
Tax Bill	$1,279 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010741-1460`

Property Details

APN / Parcel Number

Primary APN	`010741-1460`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,909 sqft Living Area
Gross Area	2,329 sqft
1st Floor Area	819 sqft
Flooring	Carpet

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	261 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	105 BEDFORD TER
City	SAINT AUGUSTINE
State	FL
Zip	32092-1548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	127/1-18 SILVERLEAF PARCEL 12W PHASE 1 LOT 146 OR6278/536
Legal Subdivision	SILVERLEAF PARCEL 12W SECTION 1
Legal Block	1
Legal Lot Number	146
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4004
Census Tract	20908

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	Individual Name on Record
Mailing Address	105 BEDFORD TER, SAINT AUGUSTINE, FL 32092-1548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Deed Document Number	2025103763
Deed Book / Page	6278 / 536
Prior Transfer Date	Jun 11, 2025
Prior Transfer Doc	0000049447
Record Updated	Sep 20, 2026

December 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 23, 2025
Property Address	105 BEDFORD TER, SAINT AUGUSTINE, FL 32092-1548
Document Number	0062780536
Book / Page	6278 / 536
Map Reference	MB 127 PG 1
Instrument Date	Dec 17, 2025
Instrument	2025103763
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,003.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 EVEREST LANE STE 5, 5, SAINT JOHNS, FL 32259-4145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 BEDFORD TER, SAINT AUGUSTINE, FL 32092-1548

Mortgage

Document Number	0006278538
Date	Dec 23, 2025
Instrument	6278/538

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLO
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	SOFR Average 30-Day
Margin	2
Max Rate	11%

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		$385,154 (+305.43%) Land $105,000 Building $280,154	$385,154 (+305.43%) Land $105,000 Building $280,154
2025	$1,279.00	$95,000	$95,000 Land $95,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 110 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 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 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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