120 Spring Creek Way, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 120 Spring Creek Way, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,519 sqft · built 2015
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$318,000 (Jul 2015)
Tax Bill	$4,139 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026484-1160`

Property Details

APN / Parcel Number

Primary APN	`026484-1160`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,519 sqft Living Area
Gross Area	3,399 sqft
1st Floor Area	2,519 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	280 sqft
Patio Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	120 SPRING CREEK WAY
City	SAINT AUGUSTINE
State	FL
Zip	32095-8959
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 116 OR4055/1848
Legal Range	28E
Legal Township	05S
Legal Section	21
Legal Subdivision	SANDY CREEK PHASES 2A AND 2B
Legal Block	1
Legal Lot Number	116
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2050
Census Tract	20904

Owner

120 Spring Creek Way is owned and occupied by two individuals who bought it in July 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	120 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8959
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2015 · Amount on File
Deed Sale	Jul 10, 2015 · Amount on File
Deed Document Number	201543264
Deed Book / Page	4055 / 1848
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	120 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8959
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 SPRING CREEK WAY, ST AUGUSTINE, FL 32095-8959

Mortgage

Document Number	0052931433
Date	Jun 17, 2021
Book Page	5293/1433
Instrument	2021067734

Lender

Name	FIRST FLORIDA CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 120 Spring Creek Way was $4,139 with a homeowner's exemption, up 12.6% from the year before.

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		$330,000 (+2.7%)	$428,881 (-8.52%) Land $100,000 Building $328,881
2025	$4,139.00 (+12.63%) Homeowner's exemption	$321,324 (+2.9%)	$468,844 (+3.39%) Land $100,000 Building $368,844
2024	$3,675.00 (+2.03%) Homeowner's exemption	$312,268 (+3%)	$453,483 (-0.81%) Land $100,000 Building $353,483
2023	$3,602.00 (+2.91%) Homeowner's exemption	$303,173 (+3%)	$457,165 (+7.17%) Land $100,000 Building $357,165
2022	$3,500.00 Homeowner's exemption	$294,343	$426,571 Land $84,000 Building $342,571

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

Flood

FEMA maps place 120 Spring Creek Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 206 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 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

Wildfire risk around 120 Spring Creek Way is moderate, ranking above 65% 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 65% of the US · above 42% 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.

Drinking Water

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
Lead	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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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