124 Cowry Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 124 Cowry Rd, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,610 sqft · built 1999
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,079 (2025)
Deeds & Mortgages	Aug 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`224940-0000`

Property Details

APN / Parcel Number

Primary APN	`224940-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,610 sqft Living Area
Gross Area	2,104 sqft
1st Floor Area	1,376 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,840 sqft (0.18 acres)
Lot Width	80 ft Width
Garage Type	Attached
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	175 sqft
Porch	Finished/Open Porch
Porch Area	122 sqft
Deck Area	Deck Area
Patio Area	329 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	124 COWRY RD
City	SAINT AUGUSTINE
State	FL
Zip	32086-5710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	8-34 ST AUG SOUTH UT 2 LOTS 301 & 302 OR1309/832
Legal Range	30E
Legal Township	07S
Legal Section	41
Legal Subdivision	ST. AUGUSTINE SOUTH UNIT 2
Legal Block	2
Legal Lot Number	301-3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1029
Census Tract	21302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	124 COWRY RD, SAINT AUGUSTINE, FL 32086-5710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	124 COWRY RD, SAINT AUGUSTINE, FL 32086-5710
Transaction Type	Mortgage
Record Updated	Aug 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 COWRY RD, SAINT AUGUSTINE, FL 32086-5710

Mortgage

Document Number	0058040085
Date	Aug 3, 2023
Book Page	5804/85
Instrument	2023061083

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2038

Tax Assessment & Valuation

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		$176,429 (+2.7%)	$380,294 (+0.05%) Land $104,880 Building $275,414
2025	$2,079.00 (+14.8%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$171,791 (+2.9%)	$380,092 (+1.67%) Land $107,040 Building $273,052
2024	$1,811.00 (+2.37%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$166,949 (+3%)	$373,844 (+4.76%) Land $107,040 Building $266,804
2023	$1,769.00 (+3.88%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$162,086 (+3%)	$356,856 (+6%) Land $107,040 Building $249,816
2022	$1,703.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$157,365	$336,659 Land $71,680 Building $264,979

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

Flood

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 Record median of 76 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	76 in force
Nearby Flood Claims	52 (1981–2019)
Claims Outside the SFHA	17 of 52
Most Recent Claim	Oct 2019 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 9 claims Hurricane Matthew, Oct 2016 · 13 claims Hurricane Frances, Sep 2004 · 3 claims

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

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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-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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20