St. Johns County property record for 13 Reef Bay Ct, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,399 sqft · built 2017 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $368,072 (Apr 2017) |
| Tax Bill | $7,019 (2025) |
| Deeds & Mortgages | Apr 2024 Second Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026551-4720 |
| Primary APN | 026551-4720 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,399 sqft Living Area |
| Gross Area | 4,134 sqft |
| 1st Floor Area | 1,649 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 735 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 368 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 13 REEF BAY CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-3223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 70/66-72 GLEN ST JOHNS PHASE 2B LOT 472 OR4363/1817 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 28 |
| Legal Subdivision | GLEN ST. JOHNS PHASE 2B |
| Legal Phase | 2B |
| Legal Block | 1 |
| Legal Lot Number | 472 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 20908 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 13 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 24, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Oct 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Apr 25, 2017 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PEOPLES BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2017 · Amount on Record |
| Deed Sale | Apr 25, 2017 · Amount on Record |
| Deed Document Number | 201728586 |
| Deed Book / Page | 4363 / 1817 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 13 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 13 REEF RAY CT, SAINT AUGUSTINE, FL 32092-3223 |
| Document Number | 0059370787 |
|---|---|
| Date | Apr 24, 2024 |
| Book Page | 5937/787 |
| Instrument | 2024031015 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 242 Months |
| Due | Jun 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 13 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0054001820 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 5400/1820 |
| Instrument | 2021115350 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 13 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0049321960 |
|---|---|
| Date | Apr 30, 2020 |
| Book Page | 4932/1960 |
| Instrument | 2020033161 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 25, 2017 |
| Property Address | 13 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223 |
| Document Number | 0043631817 |
| Book / Page | 4363 / 1817 |
| Map Reference | MB70 PG66-72 |
| Instrument Date | Apr 21, 2017 |
| Instrument | 2017028586 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | AMERICAN HOME TITLE AND ESCR |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1560 WELLS RD # 105, 1560, ORANGE PARK, FL 32073-6780 |
| Name | Verified Name |
|---|---|
| Address | 13 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223 |
| Document Number | 2017028587 |
|---|---|
| Date | Apr 25, 2017 |
| Instrument | 2017028587 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
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 | $439,936 (+2.7%) | $544,548 (-7.33%) Land $100,000 Building $444,548 | |
| 2025 | $7,019.00 (+9.38%) Homeowner's exemption | $428,370 (+2.9%) | $587,612 (+0.8%) Land $112,000 Building $475,612 |
| 2024 | $6,417.00 (+3.87%) Homeowner's exemption | $416,297 (+3%) | $582,928 (+3.9%) Land $115,000 Building $467,928 |
| 2023 | $6,178.00 (+5%) Homeowner's exemption | $404,172 (+3%) | $561,054 (+2.79%) Land $105,000 Building $456,054 |
| 2022 | $5,884.00 Homeowner's exemption | $392,400 | $545,847 Land $89,600 Building $456,247 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 103 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 103 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 62% of the US · lower than 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2023) 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, 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 210 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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