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131 Cowry Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 131 Cowry Rd, Saint Augustine, FL 32086 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 1,176 sqft · built 1979
Lot Size0.18 acres (7,840 sqft)
Owner2 Individual Names on File
Last Sale$115,000 (Sep 2009)
Tax Bill$1,344 (2025)
Deeds & MortgagesJan 2026 Transfer
Oct 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN225030-0000

Property Details

APN / Parcel Number

Primary APN225030-0000

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures5 Plumbing Fixtures
Stories1 Story
Building Area1,176 sqft Living Area
Gross Area1,416 sqft
1st Floor Area1,176 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1994
Exterior MaterialStucco
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,840 sqft (0.18 acres)
Lot Width125 ft Width
PorchFinished Screened Porch
Porch Area276 sqft
Patio Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address131 COWRY RD
CityST AUGUSTINE
StateFL
Zip32086-5709
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description8-34 ST AUG SOUTH UT 2 LOTS 331 & 332 OR3234/1588 & 6284/1755(L/E)
Legal Range30E
Legal Township07S
Legal Section41
Legal SubdivisionST. AUGUSTINE SOUTH UNIT 2
Legal Block2
Legal Lot Number331-3
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1038
Census Tract21302

Owner

Source: St. Johns County records · APN 225030-0000

Assessment roll updated April 13, 2026 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address131 COWRY RD, SAINT AUGUSTINE, FL 32086-5709
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Jan 06, 2026Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Oct 25, 2019Deed of Trust, Mortgage · Conventional Mortgage
RENASANT BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 01, 2009 · Amount on Record
Deed SaleSep 01, 2009 · Amount on Record
Prior SaleJul 21, 2009 · Amount on Record
Deed Document Number200944442
Deed Book / Page3234 / 1588
Last Transfer DateJan 06, 2026
Transfer Doc0062841755
Record UpdatedJun 08, 2026

January 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST JOHNS FL
Recording DateJan 06, 2026
Property Address131 COWRY RD, SAINT AUGUSTINE, FL 32086-5709
Document Number0062841755
Book / Page6284 / 1755
Map ReferenceMB 8 PG 32
Instrument DateJan 06, 2026
Instrument2026000827
Transaction TypeTransfer
Record UpdatedJan 16, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address131 COWRY RD, ST AUGUSTINE, FL 32086-5709

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address131 COWRY RD, ST AUGUSTINE, FL 32086-5709

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address131 COWRY RD, SAINT AUGUSTINE, FL 32086-5709
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0048191953
DateOct 25, 2019
Book Page4819/1953
Instrument2019079936
Lender
NameRENASANT BANK
TypeBank
AddressBIRMINGHAM, AL 35203
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2049

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$115,981 (+2.7%)$290,465 (+0.14%) Land $163,875 Building $126,590
2025$1,344.00 (+17.28%) Homeowner's exemption$112,932 (+5.99%)$290,069 (+0.26%) Land $167,250 Building $122,819
2024$1,146.00 (+2.5%)
2023$1,118.00 (+4.78%) Homeowner's exemption$106,552 (+3%)$289,303 (+15.93%) Land $167,250 Building $122,053
2022$1,067.00 Homeowner's exemption$103,449$249,553 Land $112,000 Building $137,553

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090213021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 76 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies76 in force
Nearby Flood Claims52 (1981–2019)
Claims Outside the SFHA17 of 52
Most Recent ClaimOct 2019, other causes
Claims By Storm
  • Hurricane Irma, Sep 2017 · 9 claims
  • Hurricane Matthew, Oct 2016 · 13 claims
  • Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 268 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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