St. Johns County property record for 1103 Ardmore St, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,684 sqft · built 2002 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $134,100 (Oct 2002) |
| Tax Bill | $1,563 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Aug 2021 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028821-0700 |
| Primary APN | 028821-0700 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,684 sqft Living Area |
| Gross Area | 2,084 sqft |
| 1st Floor Area | 1,684 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 35 sqft |
| Patio Area | 110 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1103 ARDMORE ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-3424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 41/58-66 MEADOWS AT ST JOHNS PH 1 LOT 70 OR2175/134(Q/C) |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | MEADOWS AT SAINT JOHNS PHASE 1 |
| Legal Phase | 1 |
| Legal Block | 4 |
| Legal Lot Number | 70 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 20905 |
Source: St. Johns County assessment roll, 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 | Individual Name on File |
|---|---|
| Mailing Address | 1103 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Aug 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Nov 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 2, 2002 · Amount on Record |
| Deed Sale | Oct 2, 2002 · Amount on Record |
| Prior Sale | Feb 13, 2002 · Amount on Record |
| Deed Document Number | 200257335 |
| Deed Book / Page | 1823 / 768 |
| Last Transfer Date | Feb 1, 2004 |
| Transfer Doc | 0021750134 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1103 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3424 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1103 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3424 |
| Document Number | 0057800337 |
|---|---|
| Date | Jun 23, 2023 |
| Book Page | 5780/337 |
| Instrument | 2023048846 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1103 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3424 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1103 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3424 |
| Document Number | 0053521724 |
|---|---|
| Date | Aug 26, 2021 |
| Book Page | 5352/1724 |
| Instrument | 2021094211 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1103 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3424 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1103 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3424 |
| Document Number | 0054110313 |
|---|---|
| Date | Nov 3, 2021 |
| Book Page | 5411/313 |
| Instrument | 2021119730 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | ASTON, PA 19014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2036 |
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 | $133,557 (+2.7%) | $279,961 (-1.59%) Land $70,000 Building $209,961 | |
| 2025 | $1,563.00 (+16.38%) Homeowner's exemption | $130,046 (+5.99%) | $284,473 (-7.51%) Land $70,000 Building $214,473 |
| 2024 | $1,343.00 (+2.36%) | ||
| 2023 | $1,312.00 (+4.38%) Homeowner's exemption | $122,700 (+3%) | $307,573 (+6.41%) Land $82,790 Building $224,783 |
| 2022 | $1,257.00 Homeowner's exemption | $119,126 | $289,041 Land $73,920 Building $215,121 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 79 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 79 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SJCU-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| 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 | 2 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 147 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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