1143 Morgans Treasure Rd, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 1143 Morgans Treasure Rd, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,705 sqft · built 2022
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$337,000 (Apr 2026)
Tax Bill	$3,972 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`095601-1470`

Property Details

APN / Parcel Number

Primary APN	`095601-1470`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,705 sqft Living Area
Gross Area	2,105 sqft
1st Floor Area	1,705 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
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	20 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1143 MORGANS TREASURE RD
City	SAINT AUGUSTINE
State	FL
Zip	32084-9239
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	108/1-35 MORGANS COVE LOT 147 OR5673/1239 & 5700/274(C/D)
Legal Range	29
Legal Township	07
Legal Section	20
Legal Subdivision	MORGANS COVE
Legal Block	1
Legal Lot Number	147
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3000
Census Tract	21003

Owner

Source: St. Johns County records, as of July 2, 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 Record
Mailing Address	1143 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9239
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Balloon Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Apr 8, 2026	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Jan 27, 2023	Correction Deed DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC
Dec 2, 2022	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Prior Sale	Jan 27, 2023 · Amount on Record
Deed Document Number	202630102
Deed Book / Page	6340 / 1199
Prior Transfer Date	Jan 26, 2023
Prior Transfer Doc	0057000274
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Apr 14, 2026
Property Address	1143 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9239
Document Number	0000031718
Book / Page	6343 / 1583
Instrument Date	Mar 31, 2026
Instrument	202631718
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1143 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9239

Mortgage

Document Number	0000031718,
Date	Apr 14, 2026
Book Page	6343/1583
Instrument	202631718

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Balloon
Rate	6%
Initial Type	Balloon
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 8, 2026
Property Address	1143 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9239
Document Number	0000030102
Book / Page	6340 / 1199
Instrument Date	Mar 31, 2026
Instrument	202630102
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	WATERSIDE TITLE COMPANY, WATERSIDE TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$238,259.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1143 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9239

Mortgage

Document Number	0000030103,
Date	Apr 8, 2026
Instrument	202630103

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	7.25%
Max Rate	-1%

Mortgage

Document Number	0063401223,
Date	Apr 8, 2026
Book Page	6340/1223
Instrument	202630104

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

January 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 27, 2023
Property Address	1143 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9239
Document Number	0057000274
Book / Page	5700 / 274
Map Reference	MB 108 PG 1-35
Instrument Date	Jan 26, 2023
Instrument	2023006718
Record Updated	Oct 23, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, RD100, ST JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1143 MORGANS TREASURE RD, ST AUGUSTINE, FL 32084-9239

December 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 2, 2022
Property Address	1143 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9239
Document Number	0056731239
Book / Page	5673 / 1239
Map Reference	MB 108 PG 1-35
Instrument Date	Nov 30, 2022
Instrument	2022109251
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,373.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, RD100, ST JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1143 MORGANS TREASURE RD, ST AUGUSTINE, FL 32084-9239

Mortgage

Document Number	0056731240
Date	Dec 2, 2022
Instrument	5673/1240

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$316,130 (+2.7%)	$326,675 (+5.31%) Land $70,000 Building $256,675
2025	$3,972.00 (+12.68%) Homeowner's exemption	$307,819 (+2.9%)	$310,210 (+3.51%) Land $70,000 Building $240,210
2024	$3,525.00 (+2.03%) Homeowner's exemption	$299,144 (+3%)	$299,681 (+3.18%) Land $70,000 Building $229,681
2023	$3,455.00 (+299.88%) Homeowner's exemption	$290,431 (+332.19%)	$290,431 (+332.19%) Land $60,750 Building $229,681
2022	$864.00	$67,200	$67,200 Land $67,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 54 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	54 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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