123 N River Dr, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 123 N River Dr, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,932 sqft · built 2004
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on File
Last Sale	$825,000 (Jun 2012)
Tax Bill	$14,121 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone A (high risk)
APN	`072074-0090`

Property Details

APN / Parcel Number

Primary APN	`072074-0090`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Plumbing Fixtures	27 Plumbing Fixtures
Stories	1 Story
Building Area	4,932 sqft Living Area
Gross Area	6,060 sqft
1st Floor Area	2,956 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	30,056 sqft (0.69 acres)
Garage Type	Attached
Garage Area	1,128 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Finished/Open Porch
Porch Area	1,702 sqft
Deck Area	Deck Area
Patio Area	688 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	123 N RIVER DR
City	SAINT AUGUSTINE
State	FL
Zip	32095-8897
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	43/1-3 MARSHALL CREEK DRI UNIT C-1 REPLAT LOT 9 OR3578/931
Legal Range	29E
Legal Township	05S
Legal Section	53
Legal Subdivision	MARSHALL CREEK DRI UNIT C-1 REPLAT
Legal Block	4
Legal Lot Number	9
Legal Unit	C-1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4028
Census Tract	20606

Owner

123 N River Dr is owned and occupied by two individuals who acquired it in July 2012.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	123 N RIVER DR, SAINT AUGUSTINE, FL 32095-8897
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

Date	Document
Apr 17, 2023	Deed of Trust, Mortgage · Line of Credit WRIGHT PATMAN CONGRESSIONAL FCU
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage WRIGHT PATMAN CONGRESSIONAL FC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2012 · Amount on File
Deed Sale	Jun 25, 2012 · Amount on File
Prior Sale	Feb 20, 2004 · Amount on File
Deed Document Number	201235812
Deed Book / Page	3578 / 931
Last Transfer Date	Jul 24, 2012
Transfer Doc	0036011648
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	123 N RIVER DR, SAINT AUGUSTINE, FL 32095-8897
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 N RIVER DR, SAINT AUGUSTINE, FL 32095-8897

Mortgage

Document Number	0057410143
Date	Apr 17, 2023
Book Page	5741/143
Instrument	2023028550

Lender

Name	WRIGHT PATMAN CONGRESSIONAL FCU
Type	Credit Union
Address	OAKTON, VA 22124

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 10, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	123 N RIVER DR, SAINT AUGUSTINE, FL 32095-8897
Document Number	0050481642
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 N RIVER DR ST AUGUSTINE FL 320958897, ST AUGUSTINE, FL 32095-8897

Mortgage

Document Number	0050481642
Date	Sep 22, 2020
Book Page	005048/001642
Instrument	81445

Lender

Name	WRIGHT PATMAN CONGRESSIONAL FC
Address	OAKTON, VA 22124

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 21, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 123 N River Dr was $14,121 with a homeowner's exemption, up 9% 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		$810,600 (+2.7%)	$1,384,855 (-9.61%) Land $210,000 Building $1,174,855
2025	$14,121.00 (+8.98%) Homeowner's exemption	$789,289 (+2.9%)	$1,532,058 (+0.97%) Land $225,000 Building $1,307,058
2024	$12,958.00 (+2.37%) Homeowner's exemption	$767,045 (+3%)	$1,517,305 (-1.05%) Land $225,000 Building $1,292,305
2023	$12,658.00 (+1.78%) Homeowner's exemption	$744,704 (+3%)	$1,533,401 (+33.8%) Land $225,000 Building $1,308,401
2022	$12,437.00 Homeowner's exemption	$723,014	$1,146,065 Land $196,000 Building $950,065

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

Flood

FEMA maps place 123 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

Wildfire risk around 123 N River Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% 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
Also Mapped Here	SJCU-CR214 MAINLAND WTP
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 191 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

May also be available: T-Mobile.

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