St. Johns County property record for 1595 San Ardo Dr, Saint Augustine, FL 32080
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,812 sqft · built 1992 |
| Lot Size | 0.28 acres (12,196 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $560,000 (Mar 2024) |
| Tax Bill | $7,879 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Mar 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 161225-0180 |
| Primary APN | 161225-0180 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,812 sqft Living Area |
| Gross Area | 2,586 sqft |
| 1st Floor Area | 1,812 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,196 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 474 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Glass Porch |
| Porch Area | 76 sqft |
| Patio Area | 244 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1595 SAN ARDO DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32080-5482 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RG1 |
| Legal Description | 13-29 30 SAN JOSE FOREST LOT 18 OR1210/1299 & 5717/1408(D/C) & 5740/188(H/R) & 5801/839(S/A) & 5917/64 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 28 |
| Legal Subdivision | SAN JOSE FOREST |
| Legal Block | 2 |
| Legal Lot Number | 18 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 21408 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within Spanish Coquina Quarries listed 1972 · 1 contributing resources · NRIS 72001462 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: St. Johns County records, as of June 17, 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 Record |
|---|---|
| Mailing Address | 1595 SAN ARDO DR, SAINT AUGUSTINE, FL 32080-5482 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Dec 1, 2025 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Mar 19, 2024 | Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU |
| Jul 12, 2021 | Deed of Trust, Mortgage · Line of Credit AMERIS BANK |
| Nov 18, 2020 | Deed of Trust, Mortgage · VA Mortgage AMERIS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 19, 2024 · Amount on Record |
| Deed Sale | Mar 19, 2024 · Amount on Record |
| Deed Document Number | 202420125 |
| Deed Book / Page | 5917 / 64 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1595 SAN ARDO DR, SAINT AUGUSTINE, FL 32080-5482 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1595 SAN ARDO DR, ST AUGUSTINE, FL 32080-5482 |
| Document Number | 0062650956 |
|---|---|
| Date | Dec 1, 2025 |
| Book Page | 6265/956 |
| Instrument | 2025097188 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 19, 2024 |
| Property Address | 1595 SAN ARDO DR, SAINT AUGUSTINE, FL 32080-5482 |
| Document Number | 0059170064 |
| Book / Page | 5917 / 64 |
| Map Reference | MB 13 PG 29&30 |
| Instrument Date | Feb 22, 2024 |
| Instrument | 2024020125 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2024 |
| Title Company | PARADISE TITLE/STATE AUGUSTINE, PARADISE TTL OF ST AUGUSTINE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,920.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15 ARROW DR, WHITMAN, MA 02382-1642 |
| Name | Verified Name |
|---|---|
| Address | 1595 SAN ARDO DR, ST AUGUSTINE, FL 32080-5482 |
| Document Number | 0000591768 |
|---|---|
| Date | Mar 19, 2024 |
| Instrument | 5917/68 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Mar 1, 2029 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.12% |
| Max Rate At Change | 8.12% |
| Index | 5-Year TN |
| Max Rate | 11.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1595 SAN ARDO DR, SAINT AUGUSTINE, FL 32080-5482 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1595 SAN ARDO DR, SAINT AUGUSTINE, FL 32080-5482 |
| Document Number | 0053151022 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 5315/1022 |
| Instrument | 2021077080 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | SAINT AUGUSTINE, FL 32080 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jun 21, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1595 SAN ARDO DR, SAINT AUGUSTINE, FL 32080-5482 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NATIONS TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 1595 SAN ARDO DR, SAINT AUGUSTINE, FL 32080-5482 |
| Document Number | 0051020636 |
|---|---|
| Date | Nov 18, 2020 |
| Book Page | 5102/636 |
| Instrument | 2020104781 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $586,491 (+5.12%) Land $130,000 Building $456,491 | $586,491 (+5.12%) Land $130,000 Building $456,491 | |
| 2025 | $7,879.00 (+8.36%) | $557,913 (+161.84%) | $557,913 (-1.39%) Land $130,000 Building $427,913 |
| 2024 | $7,271.00 (+194.61%) | ||
| 2023 | $2,468.00 (+3.26%) Homeowner's exemption | $213,072 (+3%) | $565,749 (+17.03%) Land $130,000 Building $435,749 |
| 2022 | $2,390.00 Homeowner's exemption | $206,866 | $483,405 Land $109,200 Building $374,205 |
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.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 293 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 293 in force |
| Nearby Flood Claims | 4 (2016–2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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