140 Cowry Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 140 Cowry Rd, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,066 sqft · built 1986
Lot Size	0.23 acres (10,018 sqft)
Owner	Individual Name on File
Last Sale	$218,000 (Apr 2020)
Tax Bill	$3,400 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`224920-0000`

Property Details

APN / Parcel Number

Primary APN	`224920-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,066 sqft Living Area
Gross Area	1,618 sqft
1st Floor Area	1,066 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2001
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	140 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 294 295 & S1/2 LOT 296 OR4920/1321
Legal Range	30E
Legal Township	07S
Legal Section	41
Legal Subdivision	ST. AUGUSTINE SOUTH UNIT 2
Legal Block	2
Legal Lot Number	294-2
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 · APN 224920-0000

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 Record	Individual Name on File
Mailing Address	140 COWRY RD, SAINT AUGUSTINE, FL 32086-5710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 13, 2020 · Amount on Record
Deed Sale	Apr 13, 2020 · Amount on Record
Deed Document Number	202028398
Deed Book / Page	4920 / 1321
Record Updated	Jun 08, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 13, 2020
Property Address	140 COWRY RD, SAINT AUGUSTINE, FL 32086-5710
Document Number	0049201321
Book / Page	004920 / 001321
Instrument Date	Apr 10, 2020
Instrument	28398
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,526.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 COWRY RD ST AUGUSTINE FL 320865710, ST AUGUSTINE, FL 32086-5710

Mortgage

Document Number	49201323
Date	Apr 13, 2020
Book Page	004920/001323
Instrument	28399

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

Tax Assessment & Valuation

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

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		$270,648 (+2.7%)	$273,421 (+0.26%) Land $131,100 Building $142,321
2025	$3,400.00 (+12.96%) Homeowner's exemption	$263,533 (+5.99%)	$272,704 (-0.28%) Land $133,800 Building $138,904
2024	$3,010.00 (+2.07%)
2023	$2,949.00 (+3.15%) Homeowner's exemption	$248,647 (+3%)	$273,482 (+13.29%) Land $133,800 Building $139,682
2022	$2,859.00 Homeowner's exemption	$241,405	$241,405 Land $89,600 Building $151,805

Flood & Wildfire

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

Flood

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

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Based on FCC filings for 268 locations within half a mile of this property.

Drinking Water

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-CR214 MAINLAND WTP serves 66,953 people
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 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.