St. Johns County property record for 109 Marsh Island Cir, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,685 sqft · built 2003 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $345,000 (Apr 2026) |
| Tax Bill | $3,800 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 074531-2510 |
| Primary APN | 074531-2510 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,685 sqft Living Area |
| Gross Area | 2,127 sqft |
| 1st Floor Area | 1,685 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 370 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished Screened Porch |
| Porch Area | 138 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 MARSH ISLAND CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-9644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 28/110-116 EAGLE CREEK OF ST AUGUSTINE LOT 251 OR5023/119 |
| Legal Range | 29E |
| Legal Township | 06S |
| Legal Section | 50 |
| Legal Subdivision | EAGLE CREEK OF ST AUGUSTINE |
| Legal Block | 1 |
| Legal Lot Number | 251 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20606 |
109 Marsh Island Cir is owned and occupied by two individuals who bought it in April 2026.
Source: St. Johns County records, as of April 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 MARSH ISLAND CIR, SAINT AUGUSTINE, FL 32095-9644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Aug 24, 2020 | Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2026 · Amount on File |
| Deed Sale | Apr 15, 2026 · Amount on File |
| Prior Sale | Aug 24, 2020 · Amount on File |
| Deed Document Number | 202632058 |
| Deed Book / Page | 6344 / 1074 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 15, 2026 |
| Property Address | 109 MARSH ISLAND CIR, SAINT AUGUSTINE, FL 32095-9644 |
| Document Number | 0000032058 |
| Book / Page | 6344 / 1074 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 2026.32058 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | NU WORLD TITLE LLC, NU WORLD TITLE OF TAMPA LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $243,915.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 MARSH ISLAND CIR, SAINT AUGUSTINE, FL 32095-9644 |
| Document Number | 0000032061, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 2026..32061 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 24, 2020 |
| Property Address | 109 MARSH ISLAND CIR, SAINT AUGUSTINE, FL 32095-9644 |
| Document Number | 0050230119 |
| Book / Page | 5023 / 119 |
| Map Reference | MB 28 PG 110-116 |
| Instrument Date | Aug 21, 2020 |
| Instrument | 2020070700 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,609.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1487 LAUREL WAY, 1487, ATLANTIC BEACH, FL 32233-1836 |
| Name | Verified Name |
|---|---|
| Address | 109 MARSH ISLAND CIR, SAINT AUGUSTINE, FL 32095-9644 |
| Document Number | 5023120 |
|---|---|
| Date | Aug 24, 2020 |
| Instrument | 5023/120 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 109 Marsh Island Cir was $3,800 with a homeowner's exemption, up 5.3% from the year before.
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 | $283,883 (-3.81%) Land $65,000 Building $218,883 | $283,883 (-3.81%) Land $65,000 Building $218,883 | |
| 2025 | $3,800.00 (+5.26%) Homeowner's exemption | $295,113 (-3.53%) | $295,113 (-3.53%) Land $60,000 Building $235,113 |
| 2024 | $3,610.00 (+1.12%) Homeowner's exemption | $305,896 (+2.15%) | $305,896 (+2.15%) Land $74,000 Building $231,896 |
| 2023 | $3,570.00 (+2.47%) Homeowner's exemption | $299,450 (+4.85%) | $299,450 (+4.85%) Land $70,000 Building $229,450 |
| 2022 | $3,484.00 | $285,609 | $285,609 Land $61,600 Building $224,009 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Marsh Island Cir in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 108 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 108 in force |
| Nearby Flood Claims | 6 (2016–2023) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Sep 2023 · 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.
Wildfire risk around 109 Marsh Island Cir is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · lower than 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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-EAGLE CREEK WS serves 655 people · EPA ID FL2554353 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 301 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures