1118 Ardmore St, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 1118 Ardmore St, Saint Augustine, FL 32092 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,977 sqft · built 2002
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$221,000 (Jul 2017)
Tax Bill	$2,798 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`028821-0320`

Property Details

APN / Parcel Number

Primary APN	`028821-0320`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,977 sqft Living Area
Gross Area	2,397 sqft
1st Floor Area	1,977 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1118 ARDMORE ST
City	SAINT AUGUSTINE
State	FL
Zip	32092-3427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	41/58-66 MEADOWS AT ST JOHNS PH 1 LOT 32 OR4403/360
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	32
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4011
Census Tract	20905

Owner

Source: St. Johns County records · APN 028821-0320

Assessment roll updated April 13, 2026 · Last verified June 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	1118 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2021	Deed of Trust, Mortgage · FHA Mortgage OCEAN LENDING HOME LOANS INC
Jan 19, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Jul 12, 2017	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 12, 2017 · Amount on Record
Deed Sale	Jul 12, 2017 · Amount on Record
Prior Sale	Feb 20, 2002 · Amount on Record
Deed Document Number	201747913
Deed Book / Page	4403 / 360
Prior Transfer Date	Aug 31, 2007
Prior Transfer Doc	0029811493
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1118 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3427
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3427

Mortgage

Document Number	0054560932
Date	Dec 29, 2021
Book Page	5456/932
Instrument	2021140218

Lender

Name	OCEAN LENDING HOME LOANS INC
Type	Mortgage Company
Address	MISSION VIEJO, CA 92691

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1118 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3427
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3427

Mortgage

Document Number	0051551805
Date	Jan 19, 2021
Book Page	5155/1805
Instrument	2021006576

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 12, 2017
Property Address	1118 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3427
Document Number	0044030360
Book / Page	004403 / 000360
Instrument Date	Jul 07, 2017
Instrument	47913
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,547.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1118 ARDMORE ST ST AUGUSTINE FL 320923427, ST AUGUSTINE, FL 32092-3427

Mortgage

Document Number	44030362
Date	Jul 12, 2017
Book Page	004403/000362
Instrument	47914

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2047

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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		$227,728 (+2.7%)	$312,394 (-3.25%) Land $70,000 Building $242,394
2025	$2,798.00 (+13.69%) Homeowner's exemption	$221,741 (+2.9%)	$322,885 (-3.19%) Land $70,000 Building $252,885
2024	$2,461.00 (+2.12%) Homeowner's exemption	$215,492 (+3%)	$333,527 (-4.21%) Land $80,000 Building $253,527
2023	$2,410.00 (+3.34%) Homeowner's exemption	$209,216 (+3%)	$348,180 (+6.37%) Land $82,790 Building $265,390
2022	$2,332.00 Homeowner's exemption	$203,122	$327,319 Land $73,920 Building $253,399

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209054, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 79 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, tidal / storm surge, Hurricane Irma

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 12% of Florida
Wildfire Likelihood	About 1 in 1,408 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 147 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
AT&T	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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