St. Johns County property record for 119 Cowry Rd, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,436 sqft · built 1999 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $189,000 (Nov 2004) |
| Tax Bill | $2,131 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 225020-0000 |
| Primary APN | 225020-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,436 sqft Living Area |
| Gross Area | 1,920 sqft |
| 1st Floor Area | 1,436 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Concrete |
| 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 | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 566 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 119 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 325 & 326 OR3921/595 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | ST. AUGUSTINE SOUTH UNIT 2 |
| Legal Block | 2 |
| Legal Lot Number | 325-3 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 21302 |
Source: St. Johns County records, as of April 13, 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 | 119 COWRY RD, SAINT AUGUSTINE, FL 32086-5709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Oct 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2004 · Amount on Record |
| Deed Sale | Nov 5, 2004 · Amount on Record |
| Prior Sale | Jan 19, 2000 · Amount on Record |
| Deed Document Number | 200482626 |
| Deed Book / Page | 2314 / 118 |
| Last Transfer Date | Jan 21, 2015 |
| Transfer Doc | 0039811183 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 119 COWRY RD, SAINT AUGUSTINE, FL 32086-5709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0049810094 |
|---|---|
| Date | Jul 6, 2020 |
| Book Page | 4981/94 |
| Instrument | 2020053251 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 119 COWRY RD, SAINT AUGUSTINE, FL 32086-5709 |
| Document Number | 0044561547 |
| Book / Page | 004456 / 001547 |
| Instrument Date | Oct 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 119 COWRY RD ST AUGUSTINE FL 320865709, ST AUGUSTINE, FL 32086-5709 |
| Document Number | 0044561547 |
|---|---|
| Date | Nov 1, 2017 |
| Book Page | 004456/001547 |
| Instrument | 74008 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 31, 2047 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $175,187 (+2.7%) | $303,586 (+0.72%) Land $104,880 Building $198,706 | |
| 2025 | $2,131.00 (+14.57%) Homeowner's exemption | $170,581 (+2.9%) | $301,406 (+2.12%) Land $107,040 Building $194,366 |
| 2024 | $1,860.00 (+2.25%) Homeowner's exemption | $165,774 (+3%) | $295,139 (-1.59%) Land $107,040 Building $188,099 |
| 2023 | $1,819.00 (+3.76%) Homeowner's exemption | $160,946 (+3%) | $299,920 (+5.95%) Land $107,040 Building $192,880 |
| 2022 | $1,753.00 Homeowner's exemption | $156,258 | $283,078 Land $71,680 Building $211,398 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
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