117 Gypsum Pl, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 117 Gypsum Pl, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,045 sqft · built 2022
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Sep 2023)
Tax Bill	$5,185 (2025)
Deeds & Mortgages	Feb 2026 Transfer Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`185921-1230`

Property Details

APN / Parcel Number

Primary APN	`185921-1230`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,045 sqft Living Area
Gross Area	2,493 sqft
1st Floor Area	2,045 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	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	117 GYPSUM PL
City	SAINT AUGUSTINE
State	FL
Zip	32086-8094
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	104/61-67 ROCK SPRINGS FARMS LOT 123 OR5820/1788 & 6284/14(D/C) & 6307/1249(L/E)
Legal Range	30E
Legal Township	09S
Legal Section	06
Legal Subdivision	ROCK SPRINGS FARMS
Legal Block	1
Legal Lot Number	123
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	1
Census Block	1002
Census Tract	21209

Owner

Source: St. Johns County records, as of April 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	117 GYPSUM PL, SAINT AUGUSTINE, FL 32086-8094
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 6, 2023	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Jun 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Jun 22, 2022 · Amount on Record
Deed Document Number	202370416
Deed Book / Page	5820 / 1788
Last Transfer Date	Feb 18, 2026
Transfer Doc	0063071249
Record Updated	Jun 8, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Feb 19, 2026
Property Address	117 GYPSUM PL, SAINT AUGUSTINE, FL 32086-8094
Document Number	0063071249
Book / Page	6307 / 1249
Map Reference	MB 104 PG 61
Instrument Date	Feb 18, 2026
Instrument	2026013606
Transaction Type	Transfer
Record Updated	Mar 3, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 GYPSUM PL, SAINT AUGUSTINE, FL 32086-8094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	117 GYPSUM PL, SAINT AUGUSTINE, FL 32086-8094

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 6, 2023
Property Address	117 GYPSUM PL, SAINT AUGUSTINE, FL 32086-8094
Document Number	0058201788
Book / Page	5820 / 1788
Map Reference	MB 104 PG 61-67
Instrument Date	Aug 31, 2023
Instrument	2023070416
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	NOT AVAILABLE, ST JOHNS BLUE OCEAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,710.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	253 PINELLAS WAY, SAINT JOHNS, FL 32259-9447

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1387 WOODS AMMONS RD, MARS HILL, NC 28754-9106

Mortgage

Document Number	0058201790
Date	Sep 6, 2023
Instrument	5820/1790

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Sep 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	5-Year TN
Margin	2
Max Rate	10.1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	117 GYPSUM PL, SAINT AUGUSTINE, FL 32086-8094
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	DHI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16495 WINDSOR WAY, ALVA, FL 33920-4632

Mortgage

Document Number	0055831517
Date	Jun 22, 2022
Book Page	5583/1517
Instrument	2022062159

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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		$406,899 (+1.99%) Land $90,000 Building $316,899	$406,899 (+1.99%) Land $90,000 Building $316,899
2025	$5,185.00 (+7.93%) Homeowner's exemption	$398,968 (-0.83%)	$398,968 (-0.83%) Land $90,000 Building $308,968
2024	$4,804.00 (+17.75%) Homeowner's exemption	$402,312 (+18.05%)	$402,312 (+14.49%) Land $75,000 Building $327,312
2023	$4,080.00 (+211.21%) Homeowner's exemption	$340,785 (+305.7%)	$351,400 (+318.33%) Land $75,000 Building $276,400
2022	$1,311.00	$84,000	$84,000 Land $84,000

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	26.6 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 168 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	177 units insured incl. 9 condo units
Nearby Flood Claims	85 (2012–2022)
Claims Outside the SFHA	3 of 85
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Ian, Sep 2022 · 6 claims Hurricane Irma, Sep 2017 · 13 claims Hurricane Matthew, Oct 2016 · 56 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	High above 76% of the US · above 62% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 164 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
Starlink Satellite	280 / 30

May also be available: Xfinity.

Nearby Properties on Gypsum Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures