1138 Ardmore St, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 1138 Ardmore St, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,644 sqft · built 2003
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$138,700 (May 2003)
Tax Bill	$1,547 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`028821-0370`

Property Details

APN / Parcel Number

Primary APN	`028821-0370`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,644 sqft Living Area
Gross Area	2,044 sqft
1st Floor Area	1,644 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	226 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1138 ARDMORE ST
City	SAINT AUGUSTINE
State	FL
Zip	32092-3427
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 37 OR1950/202
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	37
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 028821-0370

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	1138 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 09, 2003 · Amount on Record
Deed Sale	May 09, 2003 · Amount on Record
Deed Document Number	200331763
Deed Book / Page	1950 / 202
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1138 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3427
Document Number	0046411977
Instrument Date	Nov 07, 2018
Transaction Type	Mortgage
Record Updated	Nov 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 ARDMORE ST ST AUGUSTINE FL 320923427, ST AUGUSTINE, FL 32092-3427

Mortgage

Document Number	0046411977
Date	Nov 16, 2018
Book Page	004641/001977
Instrument	82786

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2048

Interest

Rate Type	Adjustable Rate

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		$132,315 (+2.7%)	$283,696 (-0.31%) Land $70,000 Building $213,696
2025	$1,547.00 (+16.4%) Homeowner's exemption	$128,836 (+2.9%)	$284,581 (-3.5%) Land $70,000 Building $214,581
2024	$1,329.00 (+2.47%) Homeowner's exemption	$125,205 (+3%)	$294,907 (-4.97%) Land $80,000 Building $214,907
2023	$1,297.00 (+4.34%) Homeowner's exemption	$121,558 (+3%)	$310,336 (+7.56%) Land $82,790 Building $227,546
2022	$1,243.00 Homeowner's exemption	$118,017	$288,534 Land $73,920 Building $214,614

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 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

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · 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

Based on FCC filings for 147 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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

Violations Reported to EPA

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.