St. Johns County property record for 1108 Bay Breeze Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,742 sqft · built 2005 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $627,000 (Sep 2026) |
| Tax Bill | $6,979 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Feb 2026 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 009981-2690 |
| Primary APN | 009981-2690 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,742 sqft Living Area |
| Gross Area | 3,432 sqft |
| 1st Floor Area | 2,450 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 690 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 261 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1108 BAY BREEZE DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-5081 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 48/76-95 JOHNS CREEK LOT 269 OR6309/745 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 19 |
| Legal Subdivision | JOHNS CREEK |
| Legal Block | 1 |
| Legal Lot Number | 269 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 20907 |
Source: St. Johns County records, as of September 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 1108 BAY BREEZE DR, SAINT AUGUSTINE, FL 32092-5081 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 2, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC |
| Feb 20, 2026 | Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2026 · Amount on Record |
| Deed Sale | Sep 2, 2026 · Amount on Record |
| Prior Sale | Feb 20, 2026 · Amount on Record |
| Deed Document Number | 202675779 |
| Deed Book / Page | 6431 / 998 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 2, 2026 |
| Property Address | 1108 BAY BREEZE DR, SAINT AUGUSTINE, FL 32092-5081 |
| Document Number | 0000075779 |
| Book / Page | 6431 / 998 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 202675779 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2026 |
| Title Company | TITLE AMERICA, TITLE AMERICA REAL ESTATE CLOS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $443,289.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 1108 BAY BREEZE DR, SAINT AUGUSTINE, FL 32092-5081 |
| Document Number | 0000075780, |
|---|---|
| Date | Sep 2, 2026 |
| Book Page | 6431/1000 |
| Instrument | 202675780 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 20, 2026 |
| Property Address | 1108 BAY BREEZE DR, SAINT AUGUSTINE, FL 32092-5081 |
| Document Number | 0063090745 |
| Book / Page | 6309 / 745 |
| Map Reference | MB 48 PG 76-95 |
| Instrument Date | Feb 13, 2026 |
| Instrument | 2026014356 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 1, 2026 |
| Title Company | WRIGHT TITLE AND ESCROW INC, WRIGHT TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,744.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11493 EAGLE VAIL CT, JACKSONVILLE, FL 32221-1087 |
| Name | Verified Name |
|---|---|
| Address | 4550 SWILCAN BRIDGE LN N, JACKSONVILLE, FL 32224-5617 |
| Investor | Possibly a Property Investor |
| Document Number | 0006309748 |
|---|---|
| Date | Feb 20, 2026 |
| Instrument | 6309/748 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $353,165 (+2.7%) | $435,277 (-3.12%) Land $100,000 Building $335,277 | |
| 2025 | $6,979.00 (+4.74%) Homeowner's exemption | $343,880 (-0.58%) | $449,282 (-0.37%) Land $100,000 Building $349,282 |
| 2024 | $6,663.00 (+1.52%) | ||
| 2023 | $6,563.00 (+27.59%) Homeowner's exemption | $345,892 (+47.93%) | $450,956 (+12.34%) Land $95,000 Building $355,956 |
| 2022 | $5,144.00 Homeowner's exemption | $233,815 | $401,437 Land $84,000 Building $317,437 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 81 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 81 in force |
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 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2023) 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 189 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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