St. Johns County property record for 1309 Ardmore St, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,959 sqft · built 2004 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | Company Name on File |
| Last Sale | $180,000 (Mar 2013) |
| Tax Bill | $4,754 (2025) |
| Deeds & Mortgages | May 2022 Mortgage May 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028821-3540 |
| Primary APN | 028821-3540 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,959 sqft Living Area |
| Gross Area | 2,426 sqft |
| 1st Floor Area | 1,959 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,662 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 467 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1309 ARDMORE ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-3440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 46/53-61 MEADOWS AT ST JOHNS PHASE 3 LOT 354 OR3984/1046 & 4719/562 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | MEADOWS AT ST. JOHNS PHASE 3 |
| Legal Phase | 3 |
| Legal Block | 4 |
| Legal Lot Number | 354 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 20905 |
Source: St. Johns County records · APN 028821-3540
Assessment roll updated April 13, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 4090, SCOTTSDALE, AZ 85261-4090 |
| Owner Type | Company |
| Date | Document |
|---|---|
| May 10, 2022 | Deed of Trust, Mortgage · Commercial Mortgage ROYAL BANK OF CANADA |
| May 03, 2019 | Loan Modification, Mortgage · Line of Credit GERMAN AMERICAN CAP |
| May 03, 2019 | Quit Claim Deed, Transfer OS NATIONAL LLC, OS NAT'L LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 25, 2013 · Amount on Record |
| Deed Sale | Mar 25, 2013 · Amount on Record |
| Prior Sale | May 17, 2007 · Amount on Record |
| Deed Document Number | 201319707 |
| Deed Book / Page | 3704 / 1700 |
| Last Transfer Date | Apr 25, 2019 |
| Transfer Doc | 0047190562 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1309 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3440 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Title Company | SELENE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0055550437 |
|---|---|
| Date | May 10, 2022 |
| Book Page | 5555/437 |
| Instrument | 2022047523 |
| Name | ROYAL BANK OF CANADA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10281 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 03, 2019 |
| Property Address | 1309 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3440 |
| Document Number | 0047190583 |
| Book / Page | 004719 / 000583 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 30697 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2019 |
| Title Company | OS NATIONAL LLC, OS NAT'L LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 810 7TH AVE #24TH NEW YORK NY 100195818, 24TH, NEW YORK, NY 10019-5818 |
| Document Number | 47190583 |
|---|---|
| Date | May 03, 2019 |
| Book Page | 004719/000583 |
| Instrument | 30697 |
| Name | GERMAN AMERICAN CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | 60 WALL ST # 10TH, NEW YORK, NY 10005-2865 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 03, 2019 |
| Property Address | 1309 ARDMORE ST, SAINT AUGUSTINE, FL 32092-3440 |
| Document Number | 0047190562 |
| Book / Page | 004719 / 000562 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 30696 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | OS NATIONAL LLC, OS NAT'L LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 4090 SCOTTSDALE AZ 852614090, SCOTTSDALE, AZ 85261-4090 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $318,084 (-3.24%) Land $70,000 Building $248,084 | $318,084 (-3.24%) Land $70,000 Building $248,084 | |
| 2025 | $4,754.00 (+12.55%) | $328,748 (-7.99%) | $328,748 (-7.99%) Land $70,000 Building $258,748 |
| 2024 | $4,224.00 (+1.56%) | ||
| 2023 | $4,159.00 (+8.14%) | $357,301 (+8.27%) | $357,301 (+8.27%) Land $82,790 Building $274,511 |
| 2022 | $3,846.00 | $330,002 | $330,002 Land $73,920 Building $256,082 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 79 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 79 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 199 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SJCU-NORTHWEST UTILITIES WTP serves 48,040 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | Under 1 ppb (2025) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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