108 N Whitney St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 108 N Whitney St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,248 sqft · built 1972
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Sep 2025)
Tax Bill	$366 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105410-0040`

Property Details

APN / Parcel Number

Primary APN	`105410-0040`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	137 ft deep x 78 ft wide
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	624 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	108 N WHITNEY ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-0437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4-40 OSCEOLA ACRES LOT 4 & S 1/2 LOT 5 BLK 31 OR6226/302
Legal Range	29E
Legal Township	07S
Legal Section	41
Legal Subdivision	OSCEOLA ACRES
Legal Block	31
Legal Lot Number	4,5
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2059
Census Tract	20300

Owner

Source: St. Johns County records, as of June 24, 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	108 N WHITNEY ST, SAINT AUGUSTINE, FL 32084-0437
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE
Sep 24, 2025	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Mar 1, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	Jun 11, 2025 · Amount on Record
Deed Document Number	202577937
Deed Book / Page	6226 / 302
Prior Transfer Date	Feb 23, 2023
Prior Transfer Doc	0057160565
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Jun 12, 2026
Property Address	108 N WHITNEY ST, SAINT AUGUSTINE, FL 32084-0437
Document Number	0000050590
Book / Page	6382 / 1591
Instrument Date	May 20, 2026
Instrument	202650590
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 N WHITNEY ST, SAINT AUGUSTINE, FL 32084-0437

Mortgage

Document Number	0000050590,
Date	Jun 12, 2026
Book Page	6382/1591
Instrument	202650590

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 24, 2025
Property Address	108 N WHITNEY ST, SAINT AUGUSTINE, FL 32084-0437
Document Number	0062260302
Book / Page	6226 / 302
Map Reference	MB 4 PG 30
Instrument Date	Sep 16, 2025
Instrument	2025077937
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	COWFORD TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7901 4TH ST N, ST PETERSBURG, FL 33702-4305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 N WHITNEY ST, ST AUGUSTINE, FL 32084-0437

Mortgage

Document Number	0062260304
Date	Sep 24, 2025
Book Page	6226/304
Instrument	2025077938

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2050

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Mar 1, 2023
Property Address	108 N WHITNEY ST, SAINT AUGUSTINE, FL 32084-0437
Document Number	0057160565
Book / Page	5716 / 565
Map Reference	MB 4 PG 30
Instrument Date	Feb 23, 2023
Instrument	2023015504
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 N WHITNEY ST, SAINT AUGUSTINE, FL 32084-0437

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Municipality	St. Augustine City
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$261,469 (+264.93%) Land $105,000 Building $156,469	$261,469 (+12.02%) Land $105,000 Building $156,469
2025	$366.00 (+16.56%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$71,649 (+2.9%)	$233,409 (+19.71%) Land $105,000 Building $128,409
2024	$314.00 (+1.62%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$69,630 (+3%)	$194,985 (+1.06%) Land $68,386 Building $126,599
2023	$309.00 (-2.52%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$67,602 (+3%)	$192,937 (-2.07%) Land $64,210 Building $128,727
2022	$317.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$65,633	$197,020 Land $64,210 Building $132,810

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

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 99 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	99 in force
Nearby Flood Claims	16 (1979–2022)
Claims Outside the SFHA	1 of 16
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims Hurricane Matthew, Oct 2016 · 4 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

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	0.02% annual chance
Exposure	None beyond ember reach

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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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