115 Ocean Cay Blvd, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 115 Ocean Cay Blvd, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,823 sqft · built 2015
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Company Names on Record
Last Sale	$100 (Apr 2016)
Tax Bill	$3,924 (2025)
Deeds & Mortgages	Aug 2026 Sale Sep 2022 Reverse Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`162881-0540`

Property Details

APN / Parcel Number

Primary APN	`162881-0540`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,823 sqft Living Area
Gross Area	2,335 sqft
1st Floor Area	1,823 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	392 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch
Porch Area	187 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	115 OCEAN CAY BLVD
City	SAINT AUGUSTINE
State	FL
Zip	32080-5890
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	71/23-28 OCEAN CAY LOT 54 OR4036/603 &4188/1278 & 5628/1208(D/C)
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	OCEAN CAY
Legal Block	1
Legal Lot Number	54
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3018
Census Tract	21408

Owner

Source: St. Johns County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	115 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5890
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 2, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Mar 19, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2016 · Amount on Record
Deed Sale	Apr 1, 2016 · Amount on Record
Prior Sale	Jun 3, 2015 · Amount on Record
Deed Book / Page	4188 / 1278
Last Transfer Date	Jul 27, 2026
Transfer Doc	0000067635
Record Updated	Sep 20, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 6, 2026
Property Address	115 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5890
Document Number	0000067635
Book / Page	6416 / 1056
Instrument Date	Jul 27, 2026
Instrument	202667635
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	115 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5890

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	115 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5890
Transaction Type	Mortgage
Record Updated	Sep 16, 2022
Title Company	CHANCELLOR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5890

Mortgage

Document Number	0056281209
Date	Sep 2, 2022
Book Page	5628/1209
Instrument	2022085055

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	916 Months
Due	Jan 24, 2099

Interest

Rate Type	Adjustable Rate
Rate	5.82%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.8%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	115 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5890
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045171551
Date	Mar 19, 2018
Book Page	4517/1551
Instrument	2018017935

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 9, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$317,583 (+2.7%)	$465,210 (-7.18%) Land $135,000 Building $330,210
2025	$3,924.00 (+12.79%) Homeowner's exemption Widower's exemption	$309,234 (+5.99%)	$501,208 (+12.67%) Land $135,000 Building $366,208
2024	$3,479.00 (+2.08%)
2023	$3,408.00 (+1.28%) Homeowner's exemption Widower's exemption	$291,766 (+3%)	$444,858 (+3.3%) Land $122,000 Building $322,858
2022	$3,365.00 Homeowner's exemption Widower's exemption	$283,268	$430,633 Land $117,600 Building $313,033

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
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 429 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	653 units insured incl. 224 condo units
Nearby Flood Claims	6 (2016–2024)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: IQ Fiber, Verizon.

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