128 River Cove Cir, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 128 River Cove Cir, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,022 sqft · built 2008
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on Record
Tax Bill	$2,557 (2025)
Deeds & Mortgages	Feb 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`137311-0610`

Property Details

APN / Parcel Number

Primary APN	`137311-0610`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	3,022 sqft Living Area
Gross Area	3,418 sqft
1st Floor Area	1,364 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	132 sqft
Patio Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	128 RIVER COVE CIR
City	SAINT AUGUSTINE
State	FL
Zip	32086-2901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	64/97-102 OSPREY LANDING LOT 61 OR3153/219 & 6270/1679(DM) & 6308/1014(Q/C)
Legal Range	30E
Legal Township	08S
Legal Section	18
Legal Subdivision	OSPREY LANDING
Legal Block	1
Legal Lot Number	61
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	3
Census Block	3007
Census Tract	21208

Owner

Source: St. Johns County records, 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	Individual Name on Record
Mailing Address	128 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 5, 2026
Transfer Doc	0063081014
Record Updated	Jun 8, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Feb 19, 2026
Property Address	128 RIVER COVE CIR, SAINT AUGUSTINE, FL 32086-2901
Document Number	0063081014
Book / Page	6308 / 1014
Map Reference	MB 64 PG 97-102
Instrument Date	Feb 5, 2026
Instrument	2026013954
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7740 SOUTHSIDE BLVD APT 3004, 3004, JACKSONVILLE, FL 32256-7027

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 RIVER COVE CIR, ST AUGUSTINE, FL 32086-2901

Mortgage

Document Number	0063081016
Date	Feb 19, 2026
Instrument	6308/1016

Lender

Name	CENTRAL MORTGAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

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		$282,665 (+38.66%)	$355,975 (-8.67%) Land $72,800 Building $283,175
2025	$2,557.00 (+14%) Homeowner's exemption	$203,851 (+2.9%)	$389,752 (-6.41%) Land $72,800 Building $316,952
2024	$2,243.00 (+2.14%) Homeowner's exemption	$198,106 (+3%)	$416,424 (-0.91%) Land $72,800 Building $343,624
2023	$2,196.00 (+3.49%) Homeowner's exemption	$192,336 (+3%)	$420,243 (+24.73%) Land $72,800 Building $347,443
2022	$2,122.00 Homeowner's exemption	$186,734	$336,915 Land $72,800 Building $264,115

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 33 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	33 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 76 locations within half a mile, as of December 31, 2025

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