St. Johns County property record for 108 Rutgers Rd, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,606 sqft · built 2003 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $324,300 (Oct 2020) |
| Tax Bill | $4,141 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Dec 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 227430-0000 |
| Primary APN | 227430-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,606 sqft Living Area |
| Gross Area | 2,259 sqft |
| 1st Floor Area | 1,606 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,018 sqft (0.23 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Attached |
| Garage Area | 453 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 253 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 108 RUTGERS RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-6049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 8-36 ST AUG SOUTH UT 4 LOTS 1013 & 1014 & W1/2 OF LOT 1126 OR5085/723 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 31 |
| Legal Subdivision | ST. AUGUSTINE SOUTH UNIT 4 |
| Legal Block | 4 |
| Legal Lot Number | 1004 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1046 |
| 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 | 108 RUTGERS RD, SAINT AUGUSTINE, FL 32086-6049 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Dec 18, 2018 | Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Dec 12, 2017 | Loan Modification, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2020 · Amount on Record |
| Deed Sale | Oct 30, 2020 · Amount on Record |
| Prior Sale | Dec 18, 2018 · Amount on Record |
| Deed Document Number | 202097103 |
| Deed Book / Page | 5085 / 723 |
| Prior Transfer Date | Feb 10, 2015 |
| Prior Transfer Doc | 0040071843 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 30, 2020 |
| Property Address | 108 RUTGERS RD, SAINT AUGUSTINE, FL 32086-6049 |
| Document Number | 0050850723 |
| Book / Page | 5085 / 723 |
| Map Reference | MB 8 PG 36 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 2020097103 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | ACTION TTL SVCS OF ST JOHNS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,270.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 606 19TH AVE W, 606, PALMETTO, FL 34221-4340 |
| Name | Verified Name |
|---|---|
| Address | 108 RUTGERS RD, SAINT AUGUSTINE, FL 32086-6049 |
| Document Number | 5085725 |
|---|---|
| Date | Oct 30, 2020 |
| Instrument | 5085/725 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 18, 2018 |
| Property Address | 108 RUTGERS RD, SAINT AUGUSTINE, FL 32086-6049 |
| Document Number | 0046551543 |
| Book / Page | 4655 / 1543 |
| Map Reference | MB8 PG36 |
| Instrument Date | Dec 18, 2018 |
| Instrument | 2018090016 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | ACTION TITLE SVCS OF ST JOHN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 108 RUTGERS RD, SAINT AUGUSTINE, FL 32086-6049 |
| Document Number | 2018090017 |
|---|---|
| Date | Dec 18, 2018 |
| Instrument | 2018090017 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 108 RUTGERS RD, SAINT AUGUSTINE, FL 32086-6049 |
| Document Number | 0044801167 |
| Book / Page | 004480 / 001167 |
| Instrument Date | Dec 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2018 |
| Name | Verified Name |
|---|---|
| Address | 108 RUTGERS RD ST AUGUSTINE FL 320866049, ST AUGUSTINE, FL 32086-6049 |
| Document Number | 0044801167 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 004480/001167 |
| Instrument | 86585 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Dec 20, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
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 | $326,389 (+2.7%) | $387,269 (-2.63%) Land $131,100 Building $256,169 | |
| 2025 | $4,141.00 (+12.47%) Homeowner's exemption | $317,808 (+5.99%) | $397,742 (-0.35%) Land $133,800 Building $263,942 |
| 2024 | $3,682.00 (+2.02%) | ||
| 2023 | $3,609.00 (+2.97%) Homeowner's exemption | $299,855 (+3%) | $399,133 (+5.39%) Land $133,800 Building $265,333 |
| 2022 | $3,505.00 Homeowner's exemption | $291,121 | $378,723 Land $89,600 Building $289,123 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 80% of the US · lower than 93% 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.
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 284 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 | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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