St. Johns County property record for 107 Cowry Rd, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,800 sqft · built 2020 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Mar 2025) |
| Tax Bill | $4,469 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 225000-3190 |
| Primary APN | 225000-3190 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| Gross Area | 2,313 sqft |
| 1st Floor Area | 1,800 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Attached |
| Garage Area | 513 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 313 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 107 COWRY RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-5709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 8-34 ST AUG SOUTH UT 2 S1/2 OF LOT 318 & ALL LOTS 319 & 320 OR4955/1574 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | ST. AUGUSTINE SOUTH UNIT 2 |
| Legal Block | 2 |
| Legal Lot Number | 318-3 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 21302 |
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 | 2085 A1A S, 301, SAINT AUGUSTINE, FL 32080-6519 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 3, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MTG |
| Aug 20, 2019 | Warranty Deed, Transfer PRIVATE INDIVIDUAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 7, 2025 · Amount on Record |
| Deed Sale | Mar 7, 2025 · Amount on Record |
| Prior Sale | Jan 26, 2011 · Amount on Record |
| Deed Document Number | 202518044 |
| Deed Book / Page | 6110 / 874 |
| Prior Transfer Date | Jan 21, 2011 |
| Prior Transfer Doc | 0034020324 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 3, 2020 |
| Property Address | 107 COWRY RD, SAINT AUGUSTINE, FL 32086-5709 |
| Document Number | 0049551574 |
| Book / Page | 004955 / 001574 |
| Instrument Date | Jun 1, 2020 |
| Instrument | 42511 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 27, 2020 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,296.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 107 COWRY RD ST AUGUSTINE FL 32086, ST AUGUSTINE, FL 32086 |
| Document Number | 49551576 |
|---|---|
| Date | Jun 3, 2020 |
| Book Page | 004955/001576 |
| Instrument | 42512 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 2, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 20, 2019 |
| Property Address | 107 COWRY RD, SAINT AUGUSTINE, FL 32086-5709 |
| Document Number | 0047811285 |
| Book / Page | 004781 / 001285 |
| Instrument Date | Aug 20, 2019 |
| Instrument | 61601 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2019 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT |
| Amount | Amount Recorded |
|---|---|
| Tax | $490.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1144 FRUIT COVE RD ST JOHNS FL 322592861, ST JOHNS, FL 32259-2861 |
| Document Number | 47811287 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | 004781/001287 |
| Instrument | 61602 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Address | JACKSONVILLE, FL 32207 |
| Amount | Amount Recorded |
|---|
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $351,042 (+2.7%) | $445,741 (-1.11%) Land $131,100 Building $314,641 | |
| 2025 | $4,469.00 (+12.31%) Homeowner's exemption | $341,813 (+5.99%) | $450,745 (+2.38%) Land $133,800 Building $316,945 |
| 2024 | $3,979.00 (+2%) | ||
| 2023 | $3,901.00 (+2.9%) Homeowner's exemption | $322,505 (+3%) | $440,247 (+4.47%) Land $133,800 Building $306,447 |
| 2022 | $3,791.00 Homeowner's exemption | $313,112 | $421,407 Land $89,600 Building $331,807 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 76 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 76 in force |
| Nearby Flood Claims | 52 (1981–2019) |
| Claims Outside the SFHA | 17 of 52 |
| Most Recent Claim | Oct 2019 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 268 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 |
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