St. Johns County property record for 108 River Cove Cir, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,623 sqft · built 2008 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,667 (2025) |
| Deeds & Mortgages | Oct 2024 Line of Credit Jun 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 137311-0660 |
| Primary APN | 137311-0660 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,623 sqft Living Area |
| Gross Area | 2,232 sqft |
| 1st Floor Area | 1,623 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 409 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 21 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 108 RIVER COVE CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-2901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 64/97-102 OSPREY LANDING LOT 66 OR3153/192 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 18 |
| Legal Subdivision | OSPREY LANDING |
| Legal Block | 1 |
| Legal Lot Number | 66 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 21208 |
108 River Cove Cir is owned and occupied by two individuals.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 108 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 2, 2024 | Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU |
| Jun 24, 2025 | Intrafamily Transfer, Transfer · Line of Credit FOURLEAF FCU |
| Dec 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 108 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 108 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901 |
| Document Number | 0060310183 |
|---|---|
| Date | Oct 2, 2024 |
| Book Page | 6031/183 |
| Instrument | 2024077889 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Address | BETHPAGE, NY 11714 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 28, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 24, 2025 |
| Property Address | 108 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901 |
| Document Number | 0061720844 |
| Book / Page | 6172 / 844 |
| Map Reference | MB 13 PG 114-124 |
| Instrument Date | Jun 23, 2025 |
| Instrument | 2025050014 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 381, GREEN COVE SPRINGS, FL 32043-0381 |
| Name | Verified Name |
|---|---|
| Address | 108 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901 |
| Document Number | 0061721349 |
|---|---|
| Date | Jun 24, 2025 |
| Instrument | 6172/1349 |
| Name | FOURLEAF FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 108 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2021 |
| Name | Verified Name |
|---|---|
| Address | 108 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901 |
| Document Number | 0051200438 |
|---|---|
| Date | Dec 9, 2020 |
| Book Page | 5120/438 |
| Instrument | 2020112191 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Nov 1, 2035 |
The 2025 property tax bill for 108 River Cove Cir was $1,667 with a homeowner's exemption, up 15.9% from the year before.
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 | $147,153 (+6.81%) | $253,240 (-2.66%) Land $72,800 Building $180,440 | |
| 2025 | $1,667.00 (+15.92%) Homeowner's exemption | $137,775 (+2.9%) | $260,171 (-5.57%) Land $72,800 Building $187,371 |
| 2024 | $1,438.00 (+2.42%) Homeowner's exemption | $133,892 (+3%) | $275,517 (-0.81%) Land $72,800 Building $202,717 |
| 2023 | $1,404.00 (+4.15%) Homeowner's exemption | $129,992 (+3%) | $277,769 (+21.5%) Land $72,800 Building $204,969 |
| 2022 | $1,348.00 Homeowner's exemption | $126,206 | $228,613 Land $72,800 Building $155,813 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 River Cove Cir in Zone X, an area of minimal flood risk.
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 File median of 33 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 33 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 risk around 108 River Cove Cir 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 64% of the US · lower than 90% 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.
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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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