St. Johns County property record for 109 Terrapin Rd, Saint Augustine, FL 32086 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,635 sqft · built 1967 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,131 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 225600-0000 |
| Primary APN | 225600-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,635 sqft Living Area |
| Gross Area | 1,970 sqft |
| 1st Floor Area | 1,213 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Attached |
| Garage Area | 247 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished Screened Porch |
| Porch Area | 484 sqft |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 TERRAPIN RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-5759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 8-34 ST AUG SOUTH UT 2 S1/2 OF LOT 501 & ALL LOTS 502 503 OR980/1692 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | ST. AUGUSTINE SOUTH UNIT 2 |
| Legal Block | 2 |
| Legal Lot Number | 501-5 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 21302 |
Source: St. Johns County records · APN 225600-0000
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 TERRAPIN RD, SAINT AUGUSTINE, FL 32086-5759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $99,911 (+2.7%) | $320,188 (+0.04%) Land $131,100 Building $189,088 | |
| 2025 | $1,131.00 (+76.72%) Homeowner's exemption | $97,284 (+2.9%) | $320,067 (+0.83%) Land $133,800 Building $186,267 |
| 2024 | $640.00 (+0.95%) Homeowner's exemption Senior Citizen's exemption | $94,542 (+3%) | $317,435 (-1.64%) Land $133,800 Building $183,635 |
| 2023 | $634.00 (+4.62%) Homeowner's exemption Senior Citizen's exemption | $91,788 (+3%) | $322,730 (+9.13%) Land $133,800 Building $188,930 |
| 2022 | $606.00 Homeowner's exemption Senior Citizen's exemption | $89,115 | $295,728 Land $89,600 Building $206,128 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090213021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 76 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 76 in force |
| Nearby Flood Claims | 52 (1981–2019) |
| Claims Outside the SFHA | 17 of 52 |
| Most Recent Claim | Oct 2019, other causes |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 29 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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