148 Co Rd 13 S, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 148 Co Rd 13 S, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,785 sqft · built 2025
Lot Size	0.51 acres (22,215 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,664 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2024 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`018400-0000`

Property Details

APN / Parcel Number

Primary APN	`018400-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,785 sqft Living Area
1st Floor Area	1,785 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,215 sqft (0.51 acres)
Lot Dimensions	120 ft deep x 180 ft wide
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	148 COUNTY ROAD 13 S
City	SAINT AUGUSTINE
State	FL
Zip	32092-9600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	3-63 TOCOI UT 1 LOTS 1 2 & 3 BLK 2 & W1/2 OF VACATED ASH ST LYING E OR5885/123 & 5887/1635(C/D) (SJC RES #96-6)
Legal Range	27E
Legal Township	07S
Legal Section	42
Legal Subdivision	TOCOI
Legal Block	2
Legal Lot Number	1
Jurisdiction	ST JOHNS FL
Township / Civil Division	HASTINGS
Census Block Group	1
Census Block	1002
Census Tract	21102

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	2 Individual Names on Record
Mailing Address	8034 COUNTY ROAD 214, SAINT AUGUSTINE, FL 32092-9336
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CREDIT UNION
Apr 9, 2024	Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK
Jan 18, 2024	Correction Deed ATTORNEY ONLY, ATTORNEY
Jan 11, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 18, 2024
Transfer Doc	0058871635
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Sep 3, 2026
Property Address	148 COUNTY ROAD 13 S, SAINT AUGUSTINE, FL 32092-9600
Document Number	0000076293
Book / Page	6432 / 1250
Instrument Date	Aug 29, 2026
Instrument	202676293
Transaction Type	Mortgage
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 COUNTY ROAD 13 S, SAINT AUGUSTINE, FL 32092-9600

Mortgage

Document Number	0000076293,
Date	Sep 3, 2026
Book Page	6432/1250
Instrument	202676293

Lender

Name	VYSTAR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	148 COUNTY ROAD 13 S, SAINT AUGUSTINE, FL 32092-9600
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059290771
Date	Apr 9, 2024
Book Page	5929/771
Instrument	2024026453

Lender

Name	CENTRAL BANK
Type	Bank
Address	TAMPA, FL 33647

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	1-Year T-Bill
Max Rate	11.7%

January 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 18, 2024
Property Address	148 COUNTY ROAD 13 S, SAINT AUGUSTINE, FL 32092-9600
Document Number	0058871635
Book / Page	5887 / 1635
Map Reference	MB 3 PG 63
Instrument Date	Jan 18, 2024
Instrument	2024004547
Record Updated	Jan 13, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8034 COUNTY ROAD 214, ST AUGUSTINE, FL 32092-9336

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Jan 11, 2024
Property Address	148 COUNTY ROAD 13 S, SAINT AUGUSTINE, FL 32092-9600
Document Number	0058850123
Book / Page	5885 / 123
Map Reference	MB 3 PG 63
Instrument Date	Jan 11, 2024
Instrument	2024002912
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8034 COUNTY ROAD 214, ST AUGUSTINE, FL 32092-9336

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8034 COUNTY ROAD 214, ST AUGUSTINE, FL 32092-9336

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		$292,266 (+195.86%) Land $98,784 Building $193,482	$292,266 (+195.86%) Land $98,784 Building $193,482
2025	$1,664.00 (+107.48%)	$98,784 (-)	$98,784 (-) Land $98,784
2024	$802.00 (+1.52%)	$98,784 (-)	$98,784 (-) Land $98,784
2023	$790.00 (+1.94%)	$98,784 (-)	$98,784 (-) Land $98,784
2022	$775.00	$98,784	$98,784 Land $98,784

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	54 (1997–2022)
Claims Outside the SFHA	12 of 54
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Irma, Sep 2017 · 5 claims Hurricane Matthew, Oct 2016 · 42 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

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	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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