St. Johns County property record for 1123 Ardmore St, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,916 sqft · built 2003 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $199,900 (Feb 2016) |
| Tax Bill | $2,655 (2025) |
| Deeds & Mortgages | Dec 2018 Loan Modification Apr 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 028821-0670 |
| Primary APN | 028821-0670 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,916 sqft Living Area |
| Gross Area | 2,456 sqft |
| 1st Floor Area | 1,916 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 249 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1123 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 67 OR4152/715 |
| 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 | 67 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 20905 |
Source: St. Johns County records · APN 028821-0670
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 | 1123 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 12, 2018 | Loan Modification, Mortgage FREEDOM MTG |
| Apr 25, 2017 | Loan Modification, Mortgage FREEDOM MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 22, 2016 · Amount on Record |
| Deed Sale | Feb 22, 2016 · Amount on Record |
| Prior Sale | Jun 02, 2003 · Amount on Record |
| Deed Document Number | 201610512 |
| Deed Book / Page | 4152 / 715 |
| Prior Transfer Date | May 05, 2004 |
| Prior Transfer Doc | 0022000841 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1123 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3424 |
| Document Number | 0046731762 |
| Instrument Date | Dec 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1123 ARDMORE ST ST AUGUSTINE FL 320923424, ST AUGUSTINE, FL 32092-3424 |
| Document Number | 0046731762 |
|---|---|
| Date | Jan 31, 2019 |
| Book Page | 004673/001762 |
| Instrument | 6797 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46037 |
| Amount | Amount Recorded |
|---|
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1123 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3424 |
| Document Number | 0043760169 |
| Book / Page | 004376 / 000169 |
| Instrument Date | Apr 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1123 ARDMORE ST ST AUGUSTINE FL 320923424, ST AUGUSTINE, FL 32092-3424 |
| Document Number | 0043760169 |
|---|---|
| Date | May 19, 2017 |
| Book Page | 004376/000169 |
| Instrument | 34687 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46037 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 18, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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 | $221,919 (+2.7%) | $309,424 (-2.67%) Land $70,000 Building $239,424 | |
| 2025 | $2,655.00 (+14%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $216,085 (+5.99%) | $317,918 (-8.02%) Land $70,000 Building $247,918 |
| 2024 | $2,329.00 (+2.19%) | ||
| 2023 | $2,279.00 (+3.5%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $203,879 (+3%) | $345,647 (+7.59%) Land $82,790 Building $262,857 |
| 2022 | $2,202.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $197,941 | $321,264 Land $73,920 Building $247,344 |
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
| 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 |
| 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 |
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 · sampled at 147 locations within half a mile · Last verified October 2026
| 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 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | SJCU-NORTHWEST UTILITIES WTP serves 48,040 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures