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120 Cypress Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 120 Cypress Rd, Saint Augustine, FL 32086 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,269 sqft · built 1984
Lot Size0.18 acres (7,840 sqft)
Owner2 Individual Names on File
Last Sale$170,000 (Mar 2015)
Tax Bill$2,313 (2025)
Deeds & MortgagesFeb 2024 Mortgage
Jul 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN232680-0000

Property Details

APN / Parcel Number

Primary APN232680-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,269 sqft Living Area
Gross Area1,568 sqft
1st Floor Area1,269 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 2004
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,840 sqft (0.18 acres)
Lot Width80 ft Width
Garage TypeAttached
Garage Area299 sqft
Parking Spaces1 Parking Space

Exterior Amenities

Pool Area288 sqft
PorchFinished/Open Porch
Porch Area294 sqft
Patio Area837 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address120 CYPRESS RD
CitySAINT AUGUSTINE
StateFL
Zip32086-6633
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description8-63 ST AUG SOUTH UT 9 LOTS 2548 & 2549 OR4001/76
Legal Range30E
Legal Township08S
Legal Section37
Legal SubdivisionST. AUGUSTINE SOUTH RESUB OF UNIT 9
Legal Block9
Legal Lot Number2548
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2042
Census Tract21302

Owner

Source: St. Johns County records · APN 232680-0000

Assessment roll updated April 13, 2026 · Last verified June 2026

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

Owner of Record2 Individual Names on File
Mailing Address120 CYPRESS RD, SAINT AUGUSTINE, FL 32086-6633
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 13, 2024Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Jul 13, 2022Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
May 03, 2017Deed of Trust, Mortgage · FHA Mortgage
FIRST GUARANTY MORTGAGE CORP
Aug 10, 2020Deed of Trust, Mortgage · Conventional with PMI
UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 18, 2015 · Amount on Record
Deed SaleMar 18, 2015 · Amount on Record
Prior SaleOct 14, 2014 · Amount on Record
Deed Document Number201515890
Deed Book / Page4001 / 76
Record UpdatedSep 20, 2026

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address120 CYPRESS RD, SAINT AUGUSTINE, FL 32086-6633
Transaction TypeMortgage
Record UpdatedFeb 26, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 CYPRESS RD, SAINT AUGUSTINE, FL 32086-6633

Mortgage

Document Number0058991412
DateFeb 13, 2024
Book Page5899/1412
Instrument2024010980
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2054

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address120 CYPRESS RD, SAINT AUGUSTINE, FL 32086-6633
Transaction TypeMortgage
Record UpdatedMay 23, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 CYPRESS RD, SAINT AUGUSTINE, FL 32086-6633
InvestorPossibly a Property Investor

Mortgage

Document Number0055961903
DateJul 13, 2022
Book Page5596/1903
Instrument2022068755
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term298 Months
DueMay 01, 2047

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address120 CYPRESS RD, SAINT AUGUSTINE, FL 32086-6633
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0043681579
DateMay 03, 2017
Book Page4368/1579
Instrument2017030959
Lender
NameFIRST GUARANTY MORTGAGE CORP
TypeMortgage Company
AddressVIENNA, VA 22182
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2047

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address120 CYPRESS RD, SAINT AUGUSTINE, FL 32086-6633
Document Number0050191758
Instrument DateAug 10, 2020
Transaction TypeMortgage
Record UpdatedSep 04, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address16 CYPRESS RD ST AUGUSTINE FL 32086, ST AUGUSTINE, FL 32086

Mortgage

Document Number0050191758
DateAug 19, 2020
Book Page005019/001758
Instrument69379
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 18, 2050

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$189,434 (+2.7%)$289,417 (-1.51%) Land $104,880 Building $184,537
2025$2,313.00 (+14.28%) Homeowner's exemption$184,454 (+2.9%)$293,855 (+8.43%) Land $107,040 Building $186,815
2024$2,024.00 (+2.22%) Homeowner's exemption$179,256 (+3%)$271,013 (-1.64%) Land $107,040 Building $163,973
2023$1,980.00 (+3.61%) Homeowner's exemption$174,035 (+3%)$275,529 (+8.53%) Land $107,040 Building $168,489
2022$1,911.00 Homeowner's exemption$168,966$253,870 Land $71,680 Building $182,190

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090213022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 69 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies69 in force
Nearby Flood Claims18 (1992–2023)
Claims Outside the SFHA18 of 18
Most Recent ClaimOct 2023, rainfall accumulation
Claims By Storm
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Matthew, Oct 2016 · 3 claims

Wildfire

Wildfire RiskLow
above 34% of the US · above 8% of Florida
Wildfire LikelihoodAbout 1 in 4,167 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 297 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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