109 Lake Bridge Rd, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 109 Lake Bridge Rd, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,678 sqft · built 2020
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$283,400 (Mar 2020)
Tax Bill	$6,383 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027015-0210`

Property Details

APN / Parcel Number

Primary APN	`027015-0210`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,678 sqft Living Area
Gross Area	2,220 sqft
1st Floor Area	1,678 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	422 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 LAKE BRIDGE RD
City	SAINT AUGUSTINE
State	FL
Zip	32095-0022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	82/48-57 BANNON LAKES PHASE 1B-1A LOT 21 OR4908/682 & 5811/890(L/E)
Legal Range	28E
Legal Township	06S
Legal Section	12
Legal Subdivision	BANNON LAKES PHASE 1B-1A
Legal Phase	1B
Legal Lot Number	21
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2065
Census Tract	20904

Owner

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	2 Individual Names on Record
Mailing Address	109 LAKE BRIDGE RD, SAINT AUGUSTINE, FL 32095-0022
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2020 · Amount on Record
Deed Sale	Mar 24, 2020 · Amount on Record
Deed Document Number	202023425
Deed Book / Page	4908 / 682
Last Transfer Date	Aug 17, 2023
Transfer Doc	0000065445
Record Updated	Jun 8, 2026

March 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 24, 2020
Property Address	109 LAKE BRIDGE RD, SAINT AUGUSTINE, FL 32095-0022
Document Number	0049080682
Book / Page	4908 / 682
Map Reference	MB 82 PG 48-57
Instrument Date	Mar 20, 2020
Instrument	2020023425
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,983.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9111 CYPRESS WATERS BLVD STE 200, 200, COPPELL, TX 75019-4858

Mortgage

Document Number	49080684
Date	Mar 24, 2020
Instrument	4908/0684

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$274,367 (+2.7%)	$334,714 (-1.86%) Land $100,000 Building $234,714
2025	$6,383.00 (+9.75%) Homeowner's exemption	$267,154 (+2.9%)	$341,054 (+0.14%) Land $105,000 Building $236,054
2024	$5,816.00 (+1.06%) Homeowner's exemption	$259,625 (+3%)	$340,564 (-) Land $105,000 Building $235,564
2023	$5,755.00 (+3.75%) Homeowner's exemption	$252,063 (+3%)	$340,564 (+16.41%) Land $105,000 Building $235,564
2022	$5,547.00 Homeowner's exemption	$244,721	$292,567 Land $84,000 Building $208,567

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 206 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20