St. Johns County property record for 120 River Cove Cir, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,477 sqft · built 2008 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Sep 2018) |
| Tax Bill | $2,556 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 137311-0630 |
| Primary APN | 137311-0630 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,477 sqft Living Area |
| Gross Area | 1,863 sqft |
| 1st Floor Area | 1,477 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 386 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 18 sqft |
| Patio Area | 182 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 120 RIVER COVE CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-2901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 64/97-102 OSPREY LANDING LOT 63 OR4613/1127 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 18 |
| Legal Subdivision | OSPREY LANDING |
| Legal Block | 1 |
| Legal Lot Number | 63 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 21208 |
120 River Cove Cir is owned and occupied by an individual who bought it in September 2018.
Source: St. Johns County records, as of May 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 18, 2018 | Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2018 · Amount on File |
| Deed Sale | Sep 18, 2018 · Amount on File |
| Prior Sale | May 19, 2015 · Amount on File |
| Deed Document Number | 201867626 |
| Deed Book / Page | 4613 / 1127 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 12, 2026 |
| Property Address | 120 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901 |
| Document Number | 0063611478 |
| Book / Page | 6361 / 1478 |
| Instrument Date | May 2, 2026 |
| Instrument | 202640526 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 120 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901 |
| Document Number | 0000040526, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 6361/1478 |
| Instrument | 202640526 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 18, 2018 |
| Property Address | 120 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901 |
| Document Number | 0046131127 |
| Book / Page | 4613 / 1127 |
| Map Reference | MB64 PG97-102 |
| Instrument Date | Sep 18, 2018 |
| Instrument | 2018067626 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | ACTION TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 120 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901 |
| Document Number | 2018067627 |
|---|---|
| Date | Sep 18, 2018 |
| Instrument | 2018067627 |
| Name | CAPITAL CITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2048 |
The 2025 property tax bill for 120 River Cove Cir was $2,556 with a homeowner's exemption, up 14% 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 | $209,278 (+2.7%) | $241,950 (-5.81%) Land $72,800 Building $169,150 | |
| 2025 | $2,556.00 (+14.01%) Homeowner's exemption | $203,776 | $256,878 Land $72,800 Building $184,078 |
| 2024 | $2,242.00 (+2.14%) | ||
| 2023 | $2,195.00 (+3.44%) Homeowner's exemption | $192,265 (+3%) | $272,883 (+20.68%) Land $72,800 Building $200,083 |
| 2022 | $2,122.00 Homeowner's exemption | $186,665 | $226,129 Land $72,800 Building $153,329 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 River Cove Cir in Zone X, an area of minimal flood risk.
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 File median of 33 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 33 in force |
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 River Cove Cir is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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