St. Johns County property record for 115 Cowry Rd, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,646 sqft · built 2000 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Apr 2021) |
| Tax Bill | $4,634 (2025) |
| Deeds & Mortgages | Jan 2024 Second Mortgage Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 225010-0323 |
| Primary APN | 225010-0323 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,646 sqft Living Area |
| Gross Area | 2,066 sqft |
| 1st Floor Area | 1,646 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 54 sqft |
| Patio Area | 470 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 115 COWRY RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-5709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 8-34 ST AUG SOUTH UT 2 LOTS 323 & 324 OR5226/1865 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | ST. AUGUSTINE SOUTH UNIT 2 |
| Legal Block | 2 |
| Legal Lot Number | 323-3 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 21302 |
Source: St. Johns County records · APN 225010-0323
Assessment roll updated April 13, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 115 COWRY RD, SAINT AUGUSTINE, FL 32086-5709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 30, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Apr 05, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 30, 2017 | Deed of Trust, Mortgage · VA Mortgage GOODMORTGAGE.COM |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 05, 2021 · Amount on Record |
| Deed Sale | Apr 05, 2021 · Amount on Record |
| Prior Sale | May 23, 2011 · Amount on Record |
| Deed Document Number | 202136740 |
| Deed Book / Page | 5226 / 1865 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 115 COWRY RD, SAINT AUGUSTINE, FL 32086-5709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 115 COWRY RD, SAINT AUGUSTINE, FL 32086-5709 |
| Document Number | 0058921166 |
|---|---|
| Date | Jan 30, 2024 |
| Book Page | 5892/1166 |
| Instrument | 2024007183 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 01, 2044 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 05, 2021 |
| Property Address | 115 COWRY RD, SAINT AUGUSTINE, FL 32086-5709 |
| Document Number | 0052261865 |
| Book / Page | 5226 / 1865 |
| Map Reference | MB 8 PG 32-37 |
| Instrument Date | Apr 02, 2021 |
| Instrument | 2021036740 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GLOBAL TITLE PROFESSIONALS LLC, GLOBAL TTL PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1265 PRINCE RD, 1265, SAINT AUGUSTINE, FL 32086-6533 |
| Name | Verified Name |
|---|---|
| Address | 115 COWRY RD, SAINT AUGUSTINE, FL 32086-5709 |
| Document Number | 52261867 |
|---|---|
| Date | Apr 05, 2021 |
| Instrument | 5226/1867 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 115 COWRY RD, SAINT AUGUSTINE, FL 32086-5709 |
| Document Number | 0043850261 |
| Book / Page | 004385 / 000261 |
| Instrument Date | May 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2017 |
| Name | Verified Name |
|---|---|
| Address | 115 COWRY RD ST AUGUSTINE FL 320865709, ST AUGUSTINE, FL 32086-5709 |
| Document Number | 0043850261 |
|---|---|
| Date | Jun 06, 2017 |
| Book Page | 004385/000261 |
| Instrument | 39057 |
| Name | GOODMORTGAGE.COM |
|---|---|
| Type | Mortgage Company |
| Address | TYSONS CORNER, VA 22182 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 05, 2047 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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 | $352,957 (-0.27%) Land $104,880 Building $248,077 | $352,957 (-0.27%) Land $104,880 Building $248,077 | |
| 2025 | $4,634.00 (+9.45%) Homeowner's exemption | $353,930 (-1.24%) | $353,930 (-1.24%) Land $107,040 Building $246,890 |
| 2024 | $4,234.00 (-2.96%) | ||
| 2023 | $4,363.00 (+2.51%) Homeowner's exemption | $358,370 (+2.71%) | $358,370 (+2.71%) Land $107,040 Building $251,330 |
| 2022 | $4,256.00 Homeowner's exemption | $348,923 | $348,923 Land $71,680 Building $277,243 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 76 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 76 in force |
| Nearby Flood Claims | 52 (1981–2019) |
| Claims Outside the SFHA | 17 of 52 |
| Most Recent Claim | Oct 2019 · other causes |
| Claims by Event |
|
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 268 locations within half a mile of this property.
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-CR214 MAINLAND WTP serves 66,953 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| 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 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.
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