St. Johns County property record for 16 Reef Bay Ct, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,709 sqft · built 2018 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $328,686 (Jan 2018) |
| Tax Bill | $5,661 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026551-4780 |
| Primary APN | 026551-4780 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,709 sqft Living Area |
| Gross Area | 3,371 sqft |
| 1st Floor Area | 1,320 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 662 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 377 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 336 sqft |
| Patio Area | 644 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 16 REEF BAY CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-3223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 70/66-72 GLEN ST JOHNS PHASE 2B LOT 478 OR4494/154 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 28 |
| Legal Subdivision | GLEN ST. JOHNS PHASE 2B |
| Legal Phase | 2B |
| Legal Block | 1 |
| Legal Lot Number | 478 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 20908 |
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 | 16 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jan 24, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOME AMERICAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 24, 2018 · Amount on Record |
| Deed Sale | Jan 24, 2018 · Amount on Record |
| Deed Document Number | 20185144 |
| Deed Book / Page | 4494 / 154 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 16 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 16 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223 |
| Document Number | 0051660256 |
|---|---|
| Date | Feb 1, 2021 |
| Book Page | 5166/256 |
| Instrument | 2021010764 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 24, 2018 |
| Property Address | 16 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223 |
| Document Number | 0044940154 |
| Book / Page | 4494 / 0154 |
| Map Reference | MB70 PG66-72 |
| Instrument Date | Jan 19, 2018 |
| Instrument | 2018005144 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | AMERICAN ABSTRACT & TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1560 WELLS RDA, 1560, ORANGE PARK, FL 32073 |
| Name | Verified Name |
|---|---|
| Address | 16 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223 |
| Document Number | 2018005145 |
|---|---|
| Date | Jan 24, 2018 |
| Instrument | 2018005145 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2048 |
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 | $336,358 (+2.7%) | $478,803 (-5.51%) Land $100,000 Building $378,803 | |
| 2025 | $5,661.00 (+9.12%) Homeowner's exemption | $327,515 (+2.9%) | $506,699 (+1.33%) Land $112,000 Building $394,699 |
| 2024 | $5,188.00 (+4.39%) Homeowner's exemption | $318,285 (+3%) | $500,055 (+4.1%) Land $115,000 Building $385,055 |
| 2023 | $4,970.00 (+5.72%) Homeowner's exemption | $309,015 (+3%) | $480,361 (+5.88%) Land $105,000 Building $375,361 |
| 2022 | $4,701.00 Homeowner's exemption | $300,015 | $453,669 Land $89,600 Building $364,069 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 103 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 103 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 210 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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