106 Sand Bar Way, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 106 Sand Bar Way, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,661 sqft · built 1992
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (Jul 2026)
Tax Bill	$2,859 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`175850-0505`

Property Details

APN / Parcel Number

Primary APN	`175850-0505`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,661 sqft Living Area
Gross Area	2,282 sqft
1st Floor Area	1,661 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	285 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	106 SAND BAR WAY
City	SAINT AUGUSTINE
State	FL
Zip	32080-6447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	26/8-9 COASTAL POINT (AKA SEAGATE) REPLAT BLK 5 LOT 5 OR5101/955
Legal Range	30E
Legal Township	08S
Legal Section	15
Legal Subdivision	COASTAL POINT REPLAT (AKA SEAGATE)
Legal Block	5
Legal Lot Number	5
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2014
Census Tract	21404

Owner

106 Sand Bar Way is owned and occupied by two individuals who bought it in July 2026.

Source: St. Johns County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	106 SAND BAR WAY, SAINT AUGUSTINE, FL 32080-6447
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Jul 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK
Jul 31, 2026	Warranty Deed, Transfer · Conventional Mortgage ARVEST BANK
Nov 17, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on File
Deed Sale	Jul 31, 2026 · Amount on File
Prior Sale	Nov 17, 2020 · Amount on File
Deed Document Number	202665667
Deed Book / Page	6412 / 779
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Jul 31, 2026
Property Address	106 SAND BAR WAY, SAINT AUGUSTINE, FL 32080-6447
Document Number	0000065668
Book / Page	6412 / 781
Instrument Date	Jul 27, 2026
Instrument	202665668
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 CEDAR RD, CHARLESTOWN, RI 02813-2334

Mortgage

Document Number	0000065668,
Date	Jul 31, 2026
Book Page	6412/781
Instrument	202665668

Lender

Name	ARVEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 31, 2026
Property Address	106 SAND BAR WAY, SAINT AUGUSTINE, FL 32080-6447
Document Number	0000065667
Book / Page	6412 / 779
Instrument Date	Jul 27, 2026
Instrument	202665667
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	GIBRALTAR TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$381,780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 SAND BAR WAY, SAINT AUGUSTINE, FL 32080-6447

Mortgage

Document Number	0000065667,
Date	Jul 31, 2026
Book Page	6412/781
Instrument	202665667

Lender

Name	ARVEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 17, 2020
Property Address	106 SAND BAR WAY, SAINT AUGUSTINE, FL 32080-6447
Document Number	0051010955
Book / Page	5101 / 955
Map Reference	MB 26 PG 8&9
Instrument Date	Nov 2, 2020
Instrument	2020104421
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LAND TITLE OF AMERICA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,169.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7514 SUNLIGHT LOOP, PLAIN CITY, OH 43064-7593

Mortgage

Document Number	5101957
Date	Nov 17, 2020
Instrument	5101/957

Lender

Name	AMERIS BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 106 Sand Bar Way was $2,859 with exemptions applied, up 13.7% 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
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$241,128 (+4.62%)	$367,597 (-4.6%) Land $100,000 Building $267,597
2025	$2,859.00 (+13.68%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$230,485 (+2.9%)	$385,316 (+0.12%) Land $100,000 Building $285,316
2024	$2,515.00 (+2.19%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$223,989 (+3%)	$384,873 (+9.13%) Land $94,000 Building $290,873
2023	$2,461.00 (+3.4%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$217,465 (+3%)	$352,675 (+2.79%) Land $94,000 Building $258,675
2022	$2,380.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$211,131	$343,088 Land $89,600 Building $253,488

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 106 Sand Bar Way in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 703 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	781 units insured incl. 78 condo units
Nearby Flood Claims	418 (1986–2024)
Claims Outside the SFHA	11 of 418
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 39 claims Hurricane Irma, Sep 2017 · 72 claims Hurricane Matthew, Oct 2016 · 232 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 106 Sand Bar Way is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% 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	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 463 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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