St. Johns County property record for 109 Bridge Oak Ln, Saint Augustine, FL 32095 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,861 sqft · built 2018 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $336,900 (Sep 2018) |
| Tax Bill | $5,866 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Oct 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 027015-0630 |
| Primary APN | 027015-0630 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,861 sqft Living Area |
| Gross Area | 2,501 sqft |
| 1st Floor Area | 1,861 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 423 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 BRIDGE OAK LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-0008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 82/48-57 BANNON LAKES PHASE 1B-1A LOT 63 OR4617/1977 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 12 |
| Legal Subdivision | BANNON LAKES PHASE 1B-1A |
| Legal Phase | 1B |
| Legal Lot Number | 63 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20904 |
Source: St. Johns County records · APN 027015-0630
Assessment roll updated April 13, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 BRIDGE OAK LN, SAINT AUGUSTINE, FL 32095-0008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 09, 2021 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Oct 12, 2022 | Deed of Trust, Mortgage · Commercial Mortgage KEY BANK NA |
| Feb 09, 2023 | Deed of Trust, Mortgage · SBA Mortgage KEY BANK NA |
| Nov 04, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Aug 13, 2019 | Deed of Trust, Mortgage QUICKEN LNS |
| Sep 27, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 27, 2018 · Amount on Record |
| Deed Sale | Sep 27, 2018 · Amount on Record |
| Deed Document Number | 201870014 |
| Deed Book / Page | 4617 / 1977 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 BRIDGE OAK LN, SAINT AUGUSTINE, FL 32095-0008 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 109 BRIDGE OAK LN, ST AUGUSTINE, FL 32095-0008 |
| Document Number | 0053641328 |
|---|---|
| Date | Sep 09, 2021 |
| Book Page | 5364/1328 |
| Instrument | 2021099261 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 01, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 BRIDGE OAK LN, SAINT AUGUSTINE, FL 32095-0008 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 109 BRIDGE OAK LN, ST AUGUSTINE, FL 32095-0008 |
| Document Number | 0056480248 |
|---|---|
| Date | Oct 12, 2022 |
| Book Page | 5648/248 |
| Instrument | 2022095714 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 BRIDGE OAK LN, SAINT AUGUSTINE, FL 32095-0008 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 109 BRIDGE OAK LN, ST AUGUSTINE, FL 32095-0008 |
| Document Number | 0057070554 |
|---|---|
| Date | Feb 09, 2023 |
| Book Page | 5707/554 |
| Instrument | 2023010548 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 BRIDGE OAK LN, SAINT AUGUSTINE, FL 32095-0008 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0050900405 |
|---|---|
| Date | Nov 04, 2020 |
| Book Page | 5090/405 |
| Instrument | 2020099148 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 BRIDGE OAK LN, SAINT AUGUSTINE, FL 32095-0008 |
| Document Number | 0047800458 |
| Instrument Date | Aug 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 04, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 BRIDGE OAK LN ST AUGUSTINE FL 320950008, ST AUGUSTINE, FL 32095-0008 |
| Document Number | 0047800458 |
|---|---|
| Date | Aug 19, 2019 |
| Book Page | 004780/000458 |
| Instrument | 60927 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 18, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 27, 2018 |
| Property Address | 109 BRIDGE OAK LN, SAINT AUGUSTINE, FL 32095-0008 |
| Document Number | 0046171977 |
| Book / Page | 4617 / 1977 |
| Map Reference | MB82 PG48-57 |
| Instrument Date | Sep 24, 2018 |
| Instrument | 2018070014 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | PGP TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 500, ORLANDO, FL 32811-7383 |
| Document Number | 2018070015 |
|---|---|
| Date | Sep 27, 2018 |
| Instrument | 2018070015 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $234,930 (+2.7%) | $371,327 (-3.08%) Land $100,000 Building $271,327 | |
| 2025 | $5,866.00 (+9.69%) Homeowner's exemption | $228,754 (+2.9%) | $383,147 (-0.68%) Land $105,000 Building $278,147 |
| 2024 | $5,348.00 (+0.98%) Homeowner's exemption | $222,307 (+3%) | $385,756 (-0.73%) Land $105,000 Building $280,756 |
| 2023 | $5,296.00 (+3.9%) Homeowner's exemption | $215,832 (+3%) | $388,592 (+15.96%) Land $105,000 Building $283,592 |
| 2022 | $5,097.00 Homeowner's exemption | $209,546 | $335,098 Land $84,000 Building $251,098 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Wildfire Risk | Moderate above 60% of the US · above 34% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 521 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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