St. Johns County property record for 123 Orchard Ln, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,797 sqft · built 2018 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company on Record |
| Last Sale | $299,900 (Jan 2020) |
| Tax Bill | $3,307 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Jan 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 027016-0080 |
| Primary APN | 027016-0080 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,797 sqft Living Area |
| Gross Area | 2,273 sqft |
| 1st Floor Area | 1,797 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 476 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 123 ORCHARD LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-0029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 83/34-39 BANNON LAKES PHASE 1B-2 LOT 8 OR4872/503 & 5478/1282 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 12 |
| Legal Subdivision | BANNON LAKES PHASE 1B-2 |
| Legal Phase | 1B |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20904 |
Source: St. Johns County assessment roll, as of April 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company on Record |
|---|---|
| Mailing Address | 123 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Nov 2, 2020 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Jan 27, 2022 | Intrafamily Transfer, Transfer ATTORNEY |
| Jan 27, 2020 | Grant Deed, Transfer · Conventional with PMI NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2020 · Amount on Record |
| Deed Sale | Jan 27, 2020 · Amount on Record |
| Deed Document Number | 20206388 |
| Deed Book / Page | 4872 / 503 |
| Last Transfer Date | Jan 20, 2022 |
| Transfer Doc | 0054781282 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 123 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 123 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Document Number | 0050871175 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 5087/1175 |
| Instrument | 2020098029 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 27, 2022 |
| Property Address | 123 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Document Number | 0054781282 |
| Book / Page | 5478 / 1282 |
| Map Reference | MB 83 PG 34-39 |
| Instrument Date | Jan 10, 2022 |
| Instrument | 2022009420 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 123 ORCHARD LN, ST AUGUSTINE, FL 32095-0029 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 27, 2020 |
| Property Address | 123 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Document Number | 0048720503 |
| Book / Page | 004872 / 000503 |
| Instrument Date | Jan 24, 2020 |
| Instrument | 6388 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2020 |
| Title Company | INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,099.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 123 ORCHARD LN ST AUGUSTINE FL 320950029, ST AUGUSTINE, FL 32095-0029 |
| Document Number | 48720505 |
|---|---|
| Date | Jan 27, 2020 |
| Book Page | 004872/000505 |
| Instrument | 6389 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 26, 2050 |
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 | $292,121 (+2.7%) | $351,793 (-2.42%) Land $100,000 Building $251,793 | |
| 2025 | $3,307.00 (+8.25%) Disabled Person's exemption Veteran's exemption | $284,441 (+5.99%) | $360,523 (-1.35%) Land $105,000 Building $255,523 |
| 2024 | $3,055.00 | ||
| 2023 | $3,055.00 (+4.69%) Disabled Person's exemption Veteran's exemption | $268,374 (+3%) | $365,445 (+16.16%) Land $105,000 Building $260,445 |
| 2022 | $2,918.00 Disabled Person's exemption Veteran's exemption | $260,557 | $314,603 Land $84,000 Building $230,603 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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-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 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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