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149 Flora Lake Cir, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 149 Flora Lake Cir, Saint Augustine, FL 32095

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,505 sqft · built 2015
Lot Size0.2 acres (8,712 sqft)
Owner2 Individual Names on File
Last Sale$510,000 (Nov 2022)
Tax Bill$3,395 (2025)
Deeds & MortgagesNov 2022 Sale
Feb 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN026484-0140

Property Details

APN / Parcel Number

Primary APN026484-0140

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures13 Plumbing Fixtures
Stories1 Story
Building Area2,505 sqft Living Area
Gross Area3,144 sqft
1st Floor Area2,505 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Exterior MaterialStucco
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area198 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address149 FLORA LAKE CIR
CitySAINT AUGUSTINE
StateFL
Zip32095-8965
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 14 OR5665/257
Legal Range28E
Legal Township05S
Legal Section21
Legal SubdivisionSANDY CREEK PHASES 2A AND 2B
Legal Block1
Legal Lot Number14
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2050
Census Tract20904

Owner

149 Flora Lake Cir is owned and occupied by two individuals who bought it in November 2022.

Source: St. Johns County records, as of April 13, 2026

Owner of Record2 Individual Names on File
Mailing Address149 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8965
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Nov 16, 2022Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Feb 19, 2021Deed of Trust, Mortgage · Conventional Mortgage
NATIONAL BANK OF KANSAS CITY
Jul 3, 2019Warranty Deed, Transfer · VA Mortgage
NATIONAL BANK OF KANSAS CITY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 16, 2022 · Amount on File
Deed SaleNov 16, 2022 · Amount on File
Prior SaleJul 3, 2019 · Amount on File
Deed Document Number2022105004
Deed Book / Page5665 / 257
Record UpdatedJun 8, 2026

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateNov 16, 2022
Property Address149 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8965
Document Number0056650257
Book / Page5665 / 257
Map ReferenceMB 74 PG 86-98
Instrument DateNov 14, 2022
Instrument2022105004
Transaction TypeTransfer
Record UpdatedNov 30, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$3,570.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address160 COASTAL GROVE CT, 160, PONTE VEDRA, FL 32082-3864

Transferred To (Grantee/Buyer)

NameVerified Name
Address149 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8965

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address149 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8965
Transaction TypeMortgage
Record UpdatedMay 2, 2022
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address149 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8965

Mortgage

Document Number0051840942
DateFeb 19, 2021
Book Page5184/942
Instrument2021018841
Lender
NameNATIONAL BANK OF KANSAS CITY
TypeBank
AddressKANSAS CITY, MO 64114
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueFeb 1, 2051

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJul 3, 2019
Property Address149 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8965
Document Number0047521593
Book / Page4752 / 1593
Map ReferenceMB 74 PG 86-98
Instrument DateJun 26, 2019
Instrument2019047478
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyOSBONE & SHEFFIELD TTL SVCS

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,286.90
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address149 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8965
InvestorPossibly a Property Investor

Mortgage

Document Number0047521595
DateJul 3, 2019
Instrument4752/1595
Lender
NameNATIONAL BANK OF KANSAS CITY
TypeBank
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 149 Flora Lake Cir was $3,395 with a homeowner's exemption, up 13.1% from the year before.

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$273,257 (+2.7%)$405,848 (-8.56%) Land $100,000 Building $305,848
2025$3,395.00 (+13.13%) Homeowner's exemption$266,073 (+2.9%)$443,836 (+3.31%) Land $100,000 Building $343,836
2024$3,001.00 (+2.04%) Homeowner's exemption$258,574 (+3%)$429,624 (-0.79%) Land $100,000 Building $329,624
2023$2,941.00 (-14.48%) Homeowner's exemption$251,043 (-14.78%)$433,057 (+6.73%) Land $100,000 Building $333,057
2022$3,439.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$294,596$405,769 Land $84,000 Building $321,769

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 149 Flora Lake Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 206 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies206 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.

Wildfire

Wildfire risk around 149 Flora Lake Cir is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 59% of the US · lower than 67% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSJCU-NORTHEAST UTILITIES WS
serves 14,790 people · EPA ID FL2554475
Water SourcePurchased groundwater from JEA MAJOR GRID
Last State InspectionMar 2024
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable · Fiber in parts of the area		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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