St. Johns County property record for 1227 Ardmore St, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,844 sqft · built 2005 |
| Lot Size | 0.66 acres (28,749 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Mar 2018) |
| Tax Bill | $4,644 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Nov 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028821-3370 |
| Primary APN | 028821-3370 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,844 sqft Living Area |
| Gross Area | 2,380 sqft |
| 1st Floor Area | 1,844 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 28,749 sqft (0.66 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
|---|---|
| Porch Area | 159 sqft |
| Deck Area | Deck Area |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1227 ARDMORE ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-3441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 46/53-61 MEADOWS AT ST JOHNS PHASE 3 LOT 337 OR4510/316 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | MEADOWS AT ST. JOHNS PHASE 3 |
| Legal Phase | 3 |
| Legal Block | 4 |
| Legal Lot Number | 337 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 20905 |
Source: St. Johns County records · APN 028821-3370
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 1227 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 07, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WHITNEY BANK |
| Nov 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Mar 01, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 01, 2018 · Amount on Record |
| Deed Sale | Mar 01, 2018 · Amount on Record |
| Prior Sale | Jul 14, 2014 · Amount on Record |
| Deed Document Number | 201813814 |
| Deed Book / Page | 4510 / 316 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1227 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3441 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0049831902 |
|---|---|
| Date | Jul 07, 2020 |
| Book Page | 4983/1902 |
| Instrument | 2020054327 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1227 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3441 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0044620388 |
|---|---|
| Date | Nov 13, 2017 |
| Book Page | 4462/0388 |
| Instrument | 2017076970 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 01, 2018 |
| Property Address | 1227 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3441 |
| Document Number | 0045100316 |
| Book / Page | 4510 / 0316 |
| Map Reference | MB46 PG53-61 |
| Instrument Date | Feb 27, 2018 |
| Instrument | 2018013814 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GIBRALTAR TITLE SERVIES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1850 W 84TH DR # DRE117, 1850, MERRILLVILLE, IN 46410-8406 |
| Name | Verified Name |
|---|---|
| Address | 1227 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3441 |
| Document Number | 2018013815 |
|---|---|
| Date | Mar 01, 2018 |
| Instrument | 2018013815 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2048 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $312,730 (-2.28%) Land $70,000 Building $242,730 | $312,730 (-2.28%) Land $70,000 Building $242,730 | |
| 2025 | $4,644.00 (+5.57%) | $320,041 (+49.51%) | $320,041 (-6.43%) Land $70,000 Building $250,041 |
| 2024 | $4,399.00 (+78.03%) | ||
| 2023 | $2,471.00 (+3.3%) Homeowner's exemption | $214,059 (+3%) | $342,020 (+5.8%) Land $82,790 Building $259,230 |
| 2022 | $2,392.00 Homeowner's exemption | $207,824 | $323,270 Land $73,920 Building $249,350 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 79 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 79 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 199 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SJCU-NORTHWEST UTILITIES WTP serves 48,040 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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