St. Johns County property record for 120 N River Dr, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 7.5 ba · 7,395 sqft · built 2005 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,200,000 (Mar 2018) |
| Tax Bill | $39,406 (2025) |
| Deeds & Mortgages | Dec 2019 Line of Credit Mar 2018 Sale & Line of Credit + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 072074-0040 |
| Primary APN | 072074-0040 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 7.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 33 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 7,395 sqft Living Area |
| Gross Area | 9,616 sqft |
| 1st Floor Area | 4,726 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 1,321 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1,359 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 1,540 sqft |
| Deck Area | Deck Area |
| Patio Area | 1,641 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 120 N RIVER DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8895 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 42/1-3 MARSHALL CREEK DRI UNIT C-1 LOT 4 OR5953/1625 |
| Legal Range | 29E |
| Legal Township | 05S |
| Legal Section | 53 |
| Legal Subdivision | MARSHALL CREEK DRI UNIT C-1 |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Legal Unit | C-1 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4040 |
| Census Tract | 20606 |
120 N River Dr is owned and occupied by two individuals who acquired it in May 2024.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 N RIVER DR, SAINT AUGUSTINE, FL 32095-8895 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 27, 2019 | Deed of Trust, Mortgage · Line of Credit BENWORTH CAP PTRS |
| Mar 21, 2018 | Grant Deed, Transfer · Line of Credit BENWORTH CAP PTRS |
| Aug 2, 2017 | Trustee's Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 21, 2018 · Amount on File |
| Deed Sale | Mar 21, 2018 · Amount on File |
| Prior Sale | Aug 2, 2017 · Amount on File |
| Deed Document Number | 201818712 |
| Deed Book / Page | 4519 / 500 |
| Last Transfer Date | May 17, 2024 |
| Transfer Doc | 0059531625 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 120 N RIVER DR, SAINT AUGUSTINE, FL 32095-8895 |
| Document Number | 0048611622 |
| Instrument Date | Dec 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 120 N RIVER DR ST AUGUSTINE FL 320958895, ST AUGUSTINE, FL 32095-8895 |
| Document Number | 0048611622 |
|---|---|
| Date | Jan 7, 2020 |
| Book Page | 004861/001622 |
| Instrument | 1058 |
| Name | BENWORTH CAP PTRS |
|---|---|
| Type | Funding / Finance Company |
| Address | 7000 SW 97TH AVE # 201, MIAMI, FL 33173-1492 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 6, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 21, 2018 |
| Property Address | 120 N RIVER DR, SAINT AUGUSTINE, FL 32095-8895 |
| Document Number | 0045190500 |
| Book / Page | 004519 / 000500 |
| Instrument Date | Feb 7, 2018 |
| Instrument | 18712 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2018 |
| Title Company | SHORE TO SHORE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 120 N RIVER DR ST AUGUSTINE FL 320958895, ST AUGUSTINE, FL 32095-8895 |
| Document Number | 45190509 |
|---|---|
| Date | Mar 21, 2018 |
| Book Page | 004519/000509 |
| Instrument | 18713 |
| Name | BENWORTH CAP PTRS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIAMI, FL 33173 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 2, 2017 |
| Property Address | 120 N RIVER DR, SAINT AUGUSTINE, FL 32095-8895 |
| Document Number | 0044150171 |
| Book / Page | 004415 / 000171 |
| Instrument Date | Jul 20, 2017 |
| Instrument | 53449 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 25, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $5,608.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6101 CONDOR DR MOORPARK CA 930212602, MOORPARK, CA 93021-2602 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 120 N River Dr was $39,406, up 31.4% from the year before.
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 | $2,271,304 (-13.57%) Land $375,000 Building $1,896,304 | $2,271,304 (-13.57%) Land $375,000 Building $1,896,304 | |
| 2025 | $39,406.00 (+31.36%) | $2,627,836 | $2,627,836 Land $350,000 Building $2,277,836 |
| 2024 | $29,999.00 (+2.81%) | ||
| 2023 | $29,179.00 (+16.22%) | $2,675,196 (+28.95%) | $2,675,196 (+28.95%) Land $275,000 Building $2,400,196 |
| 2022 | $25,106.00 | $2,074,628 | $2,074,628 Land $252,000 Building $1,822,628 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 N River Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 249 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 249 in force |
| Nearby Flood Claims | 3 (2016–2022) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
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 risk around 120 N River Dr is moderate, ranking above 60% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475 |
|---|---|
| Water Source | Purchased groundwater from JEA MAJOR GRID |
| Last State Inspection | Mar 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
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