109 Cummer Way, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 109 Cummer Way, Saint Augustine, FL 32095 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2012
Square Footage	2,004 sqft Living Area
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Last Sale	$390,000 (2021)
Tax Bill	$5,072.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`026483-0820`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Building Area	2,004 sqft Living Area
Gross Area	2,842 sqft Gross Area
1st Floor	2,004 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Stucco Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	8,712 sqft (0.2 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	670 sqft Garage
Patio Area	150 sqft Patio
Porch Area	204 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	109 CUMMER WAY
City	SAINT AUGUSTINE
State	FL
Zip	32095-8934
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	62/25-35 SANDY CREEK PHASE 1 LOT 82 OR5291/451 & 6239/833(DM)
Legal Range	28E
Legal Township	05S
Legal Section	21
Legal Subdivision	SANDY CREEK PHASE 1
Legal Phase	1
Legal Block	2
Legal Lot Number	82
Jurisdiction	ST JOHNS FL
Minor Civil Division	ST. AUGUSTINE
Census Blockgroup	2
Census Block	2077
Census Tract	20904

Owner

Source: St. Johns County records · APN 026483-0820

Assessment roll updated April 13, 2026 · Last verified June 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 File
Mailing Address	109 CUMMER WAY, SAINT AUGUSTINE, FL 32095-8934
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 15, 2021 · Amount on Record
Deed Sale	Jun 15, 2021 · Amount on Record
Prior Sale	Oct 13, 2016 · Amount on Record
Deed Doc Number	202166653
Deed Book / Page	5291 / 451
Record Refreshed	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 15, 2021
Property Address	109 CUMMER WAY, SAINT AUGUSTINE, FL 32095-8934
Document Number	0052910451
Book / Page	5291 / 451
Map Reference	MB 62 PG 25-35
Instrument Date	Jun 07, 2021
Instrument	2021066653
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	61 BOURGET CT, ST AUGUSTINE, FL 32095-7557

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CUMMER WAY, ST AUGUSTINE, FL 32095-8934

Mortgage

Document Number	0005291453
Date	Jun 15, 2021
Instrument	5291/453

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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		$362,476 (-7.19%) Land $100,000 Building $262,476	$362,476 (-7.19%) Land $100,000 Building $262,476
2025	$5,072.00 (+12.11%) Homeowner's exemption	$390,539 (+2.79%)	$390,539 (+2.43%) Land $100,000 Building $290,539
2024	$4,524.00 (+1.96%) Homeowner's exemption	$379,954 (+3%)	$381,272 (-0.78%) Land $100,000 Building $281,272
2023	$4,437.00 (+2.8%) Homeowner's exemption	$368,887 (+3%)	$384,264 (+7.29%) Land $100,000 Building $284,264
2022	$4,316.00 Homeowner's exemption	$358,143	$358,143 Land $84,000 Building $274,143

Flood & Wildfire

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

Flood

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 500 ft

Wildfire

Wildfire Risk	Moderate above 56% of the US · above 27% of Florida
Wildfire Likelihood	About 1 in 847 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.