St. Johns County property record for 109 Zamora St, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,893 sqft · built 1996 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $558,000 (Oct 2017) |
| Tax Bill | $9,442 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Dec 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 148660-0015 |
| Primary APN | 148660-0015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,893 sqft Living Area |
| Gross Area | 2,538 sqft |
| 1st Floor Area | 624 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 126 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 645 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 930 sqft |
| Deck Area | 242 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 ZAMORA ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-2985 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 4/48 VILANO BEACH UNIT A LOT 1-A BLK 18 OR4450/759 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 09 |
| Legal Subdivision | VILANO BEACH UNIT A |
| Legal Block | 18 |
| Legal Lot Number | 1-A |
| Legal Unit | A |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 20603 |
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 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2985 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 1, 2021 | Deed of Trust, Mortgage · Line of Credit CAPITAL CITY BANK |
| Dec 2, 2021 | Deed of Trust, Mortgage · Line of Credit CAPITAL CITY BANK |
| Oct 4, 2018 | Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU |
| Oct 18, 2017 | Warranty Deed, Transfer FAIRWINDS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 2017 · Amount on Record |
| Deed Sale | Oct 18, 2017 · Amount on Record |
| Deed Document Number | 201770774 |
| Deed Book / Page | 4450 / 759 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2985 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 658 NW 120TH TER 240, 240, GAINESVILLE, FL 32607-0679 |
| Document Number | 0054331497 |
|---|---|
| Date | Dec 1, 2021 |
| Book Page | 5433/1497 |
| Instrument | 2021129964 |
| Name | CAPITAL CITY BANK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 10, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2985 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 658 NW 120TH TER 240, 240, GAINESVILLE, FL 32607-0679 |
| Document Number | 0054340480 |
|---|---|
| Date | Dec 2, 2021 |
| Book Page | 5434/480 |
| Instrument | 2021130204 |
| Name | CAPITAL CITY BANK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 10, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2985 |
| Document Number | 0046241260 |
| Instrument Date | Oct 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2018 |
| Title Company | ISLAND TITLE/STATE AUGUSTINE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13517 NW 7TH RD NEWBERRY FL 326694458, NEWBERRY, FL 32669-4458 |
| Document Number | 0046241260 |
|---|---|
| Date | Oct 10, 2018 |
| Book Page | 004624/001260 |
| Instrument | 73427 |
| Name | FAIRWINDS CU |
|---|---|
| Address | ORLANDO, FL 32826 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 9, 2028 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 18, 2017 |
| Property Address | 109 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2985 |
| Document Number | 0044500759 |
| Book / Page | 004450 / 000759 |
| Instrument Date | Oct 18, 2017 |
| Instrument | 70774 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2017 |
| Title Company | ISLAND TITLE/STATE AUGUSTINE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,906.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13517 NW 7TH RD NEWBERRY FL 326694458, NEWBERRY, FL 32669-4458 |
| Document Number | 44500761 |
|---|---|
| Date | Oct 18, 2017 |
| Book Page | 004450/000761 |
| Instrument | 70775 |
| Name | FAIRWINDS CU |
|---|---|
| Address | ORLANDO, FL 32826 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 17, 2047 |
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 | $729,939 (+2.7%) | $820,235 (+0.52%) Land $229,500 Building $590,735 | |
| 2025 | $9,442.00 (+11.34%) Homeowner's exemption | $710,749 (+2.9%) | $815,996 (+10.43%) Land $229,500 Building $586,496 |
| 2024 | $8,480.00 (+1.89%) Homeowner's exemption | $690,718 (+3%) | $738,898 (-0.86%) Land $204,000 Building $534,898 |
| 2023 | $8,323.00 (-5.61%) Homeowner's exemption | $670,600 (-5.58%) | $745,342 (+4.94%) Land $204,000 Building $541,342 |
| 2022 | $8,818.00 | $710,241 | $710,241 Land $171,360 Building $538,881 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 212 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 264 units insured incl. 52 condo units |
| Nearby Flood Claims | 54 (1995–2025) |
| Claims Outside the SFHA | 1 of 54 |
| Most Recent Claim | Oct 2025 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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-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 |
| 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.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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