St. Johns County property record for 108 Zamora St, Saint Augustine, FL 32084
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 1,652 sqft · built 1975 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $690,000 (Jun 2022) |
| Tax Bill | $9,263 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Jun 2022 Sale & Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 148690-0135 |
| Primary APN | 148690-0135 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,652 sqft Living Area |
| 1st Floor Area | 522 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 128 ft deep x 51 ft wide |
| Garage Type | Carport |
| Garage Area | 280 sqft |
| Carport | Carport |
| Carport Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 152 sqft |
| Deck Area | Deck Area |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 108 ZAMORA ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-2984 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RS3 |
| Legal Description | 4/48 VILANO BEACH UNIT A LOT 13-A BLK 20 OR5795/1108 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 09 |
| Legal Subdivision | VILANO BEACH UNIT A |
| Legal Block | 20 |
| Legal Lot Number | 13-A |
| Legal Unit | A |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 20603 |
Source: St. Johns County records, as of June 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3882 LEHIGH DR, NORTHAMPTON, PA 18067-9775 |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Jul 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK |
| Jun 3, 2022 | Warranty Deed, Construction Loan · Construction Mortgage DLP LENDING FUND LLC |
| Apr 15, 2020 | Warranty Deed, Transfer LAND TITLE/AMERICA INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2022 · Amount on Record |
| Deed Sale | Jun 3, 2022 · Amount on Record |
| Prior Sale | Apr 15, 2020 · Amount on Record |
| Deed Document Number | 202256235 |
| Deed Book / Page | 5572 / 807 |
| Prior Transfer Date | Apr 1, 2009 |
| Prior Transfer Doc | 0032061118 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 20, 2023 |
| Property Address | 108 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2984 |
| Document Number | 0057951108 |
| Book / Page | 5795 / 1108 |
| Map Reference | MB 4 PG 48 |
| Instrument Date | Jul 14, 2023 |
| Instrument | 2023056771 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2023 |
| Title Company | DOMINION TITLE CORPORATION, DOMINION TTL CORP JACKSONVIL |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3882 LEHIGH DR, NORTHAMPTON, PA 18067-9775 |
| Name | Verified Name |
|---|---|
| Address | 3882 LEHIGH DR, NORTHAMPTON, PA 18067-9775 |
| Document Number | 0057951109 |
|---|---|
| Date | Jul 20, 2023 |
| Instrument | 5795/1109 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.62% |
| Type Change Date | Aug 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.62% |
| Max Rate At Change | 8.62% |
| Max Rate | 11.6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 3, 2022 |
| Property Address | 108 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2984 |
| Document Number | 0055720807 |
| Book / Page | 5572 / 807 |
| Map Reference | MB 4 PG 48 |
| Instrument Date | Jun 3, 2022 |
| Instrument | 2022056235 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 14, 2022 |
| Title Company | PARADISE TITLE/STATE AUGUSTINE, PARADISE TTL OF ST AUGUSTINE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,830.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3882 LEHIGH DR, NORTHAMPTON, PA 18067-9775 |
| Investor | Possibly a Property Investor |
| Document Number | 0005572811 |
|---|---|
| Date | Jun 3, 2022 |
| Instrument | 5572/811 |
| Name | DLP LENDING FUND LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Jul 1, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 15, 2020 |
| Property Address | 108 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2984 |
| Document Number | 0049231158 |
| Book / Page | 004923 / 001158 |
| Instrument Date | Apr 15, 2020 |
| Instrument | 29441 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2020 |
| Title Company | LAND TITLE/AMERICA INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,161.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3124 COASTAL HWY ST AUGUSTINE FL 320842215, ST AUGUSTINE, FL 32084-2215 |
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 | $696,415 (+5.2%) Land $234,090 Building $462,325 | $696,415 (+5.2%) Land $234,090 Building $462,325 | |
| 2025 | $9,263.00 (+18.95%) | $661,994 (+10.13%) | $661,994 (+10.13%) Land $234,090 Building $427,904 |
| 2024 | $7,787.00 (-1.91%) | ||
| 2023 | $7,939.00 (+27.41%) | $601,086 (+19.17%) | $601,086 (+19.17%) Land $208,080 Building $393,006 |
| 2022 | $6,231.00 | $504,388 | $504,388 Land $174,787 Building $329,601 |
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 212 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 264 units insured incl. 52 condo units |
| Nearby Flood Claims | 54 (1995–2025) |
| Claims Outside the SFHA | 1 of 54 |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| 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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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