109 Olivia Way, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 109 Olivia Way, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,921 sqft · built 2024
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$724,900 (Jun 2025)
Tax Bill	$11,381 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jun 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010019-0820`

Property Details

APN / Parcel Number

Primary APN	`010019-0820`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,921 sqft Living Area
Gross Area	3,586 sqft
1st Floor Area	2,921 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	665 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	278 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 OLIVIA WAY
City	SAINT AUGUSTINE
State	FL
Zip	32092-3558
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	114/34-43 SHEARWATER PHASE 3C LOT 82 OR6172/1467
Legal Subdivision	SHEARWATER PHASE 3C
Legal Block	1
Legal Lot Number	82
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2000
Census Tract	20907

Owner

Source: St. Johns County records · APN 010019-0820

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 OLIVIA WAY, SAINT AUGUSTINE, FL 32092-3558
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 25, 2025	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOANPEOPLE LLC
May 03, 2023	Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 03, 2023	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 25, 2025 · Amount on Record
Deed Sale	Jun 25, 2025 · Amount on Record
Prior Sale	May 03, 2023 · Amount on Record
Deed Document Number	202550175
Deed Book / Page	6172 / 1467
Record Updated	Jun 08, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	109 OLIVIA WAY, SAINT AUGUSTINE, FL 32092-3558
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 OLIVIA WAY, SAINT AUGUSTINE, FL 32092-3558

Mortgage

Document Number	0062410903
Date	Oct 20, 2025
Book Page	6241/903
Instrument	2025085262

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 25, 2025
Property Address	109 OLIVIA WAY, SAINT AUGUSTINE, FL 32092-3558
Document Number	0061721467
Book / Page	6172 / 1467
Map Reference	MB 114 PG 34-43
Instrument Date	Jun 20, 2025
Instrument	2025050175
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 01, 2025
Title Company	TOWN SQUARE TITLE LIMITED, TOWN SQUARE TITLE LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,074.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	680 CROSSWATER PKWY, PONTE VEDRA, FL 32081-0768

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 OLIVIA WAY, SAINT AUGUSTINE, FL 32092-3558

Mortgage

Document Number	0061721469
Date	Jun 25, 2025
Instrument	6172/1469

Lender

Name	LOANPEOPLE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2055

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 03, 2023
Property Address	109 OLIVIA WAY, SAINT AUGUSTINE, FL 32092-3558
Document Number	0057500808
Book / Page	5750 / 808
Map Reference	MB 114 PG 34-43
Instrument Date	May 01, 2023
Instrument	2023033347
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1111 N POST OAK RD, HOUSTON, TX 77055-7310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 BOYLSTON ST # 2010, 2010, BOSTON, MA 02116-3740
Investor	Possibly a Property Investor

May 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 03, 2023
Property Address	109 OLIVIA WAY, SAINT AUGUSTINE, FL 32092-3558
Document Number	0057500801
Book / Page	5750 / 801
Map Reference	MB 114 PG 34-43
Instrument Date	May 01, 2023
Instrument	2023033346
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$12,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	500 BOYLSTON ST # 2010, 2010, BOSTON, MA 02116-3740

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 N POST OAK RD, HOUSTON, TX 77055-7310
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$603,902 (-0.92%) Land $145,000 Building $458,902	$603,902 (-0.92%) Land $145,000 Building $458,902
2025	$11,381.00 (+141.79%)	$609,513 (+335.37%)	$609,513 (+335.37%) Land $145,000 Building $464,513
2024	$4,707.00 (+11.22%)	$140,000 (+12%)	$140,000 (+12%) Land $140,000
2023	$4,232.00	$125,000	$125,000 Land $125,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209072, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 35 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 in force

Wildfire

Wildfire Risk	Moderate above 59% of the US · above 32% of Florida
Wildfire Likelihood	About 1 in 714 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 56 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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