109 Rivercliff Trl, Saint Augustine, FL 32092 Property Records

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

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2019
Square Footage	2,678 sqft Living Area
Lot Size	7,405 sqft (0.17 acres)
Occupancy	Owner Occupied
Last Sale	$448,900 (2019)
Tax Bill	$7,247.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`010012-1620`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Building Area	2,678 sqft Living Area
Gross Area	3,700 sqft Gross Area
1st Floor	2,678 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,405 sqft (0.17 acres)
Parking Spaces	3 Parking Spaces
Garage Type	Attached Garage
Garage Area	725 sqft Garage
Porch Area	297 sqft Porch

Utilities and HVAC

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

Location & Zoning

Street Address	109 RIVERCLIFF TRL
City	SAINT AUGUSTINE
State	FL
Zip	32092-1247
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	90/53-55 SHEARWATER PHASE 1B EAST-6 LOT 162 OR4728/1661 & 6023/1841 (L/E)
Legal Range	27E
Legal Township	05S
Legal Section	26
Legal Subdivision	SHEARWATER PHASE 1B EAST-6
Legal Phase	1B
Legal Block	1
Legal Lot Number	162
Jurisdiction	ST JOHNS FL
Minor Civil Division	ST. AUGUSTINE
Census Blockgroup	2
Census Block	2000
Census Tract	20907

Owner

Source: St. Johns County records · APN 010012-1620

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 RIVERCLIFF TRL, SAINT AUGUSTINE, FL 32092-1247
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 23, 2019 · Amount on Record
Deed Sale	May 23, 2019 · Amount on Record
Deed Doc Number	201935702
Deed Book / Page	4728 / 1661
Last Transfer Date	Sep 16, 2024
Transfer Doc	0060231841
Record Refreshed	Jun 08, 2026

May 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 23, 2019
Property Address	109 RIVERCLIFF TRL, SAINT AUGUSTINE, FL 32092-1247
Document Number	0047281661
Book / Page	004728 / 001661
Instrument Date	May 21, 2019
Instrument	35702
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 08, 2019
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	$3,142.30
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	109 RIVERCLIFF TRL ST AUGUSTINE FL 320921247, ST AUGUSTINE, FL 32092-1247

Mortgage

Document Number	47281663
Date	May 23, 2019
Book Page	004728/001663
Instrument	35703

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.25%

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 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		$440,440 (+2.7%)	$516,481 (-6.23%) Land $120,000 Building $396,481
2025	$7,247.00 (+11.44%) Homeowner's exemption	$428,861 (+2.9%)	$550,793 (-1.5%) Land $120,000 Building $430,793
2024	$6,503.00 (+6.96%) Homeowner's exemption	$416,775 (+8.87%)	$559,156 (+3.55%) Land $105,500 Building $453,656
2023	$6,080.00 (+6.74%) Homeowner's exemption	$382,831 (+3%)	$539,982 (+12.92%) Land $105,500 Building $434,482
2022	$5,696.00 Homeowner's exemption	$371,681	$478,201 Land $95,200 Building $383,001

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 AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 16% of Florida
Wildfire Likelihood	About 1 in 1,316 per year
Exposure	Direct burnable vegetation at the parcel

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