St. Johns County property record for 16 Spanish Bay Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,733 sqft · built 2018 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $347,055 (Jul 2018) |
| Tax Bill | $5,601 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026551-3830 |
| Primary APN | 026551-3830 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,733 sqft Living Area |
| Gross Area | 3,395 sqft |
| 1st Floor Area | 1,344 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 662 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 257 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 16 SPANISH BAY DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-3222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 70/66-72 GLEN ST JOHNS PHASE 2B LOT 383 OR4574/509 |
| 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 | 383 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 20908 |
16 Spanish Bay Dr is owned and occupied by two individuals who bought it in July 2018.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Jan 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 3, 2018 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2018 · Amount on File |
| Deed Sale | Jul 3, 2018 · Amount on File |
| Deed Document Number | 201847341 |
| Deed Book / Page | 4574 / 509 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 16 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 16 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Document Number | 0054371729 |
|---|---|
| Date | Dec 6, 2021 |
| Book Page | 5437/1729 |
| Instrument | 2021131854 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 16 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 16 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Document Number | 0051601813 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 5160/1813 |
| Instrument | 2021008645 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 3, 2018 |
| Property Address | 16 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Document Number | 0045740509 |
| Book / Page | 4574 / 0509 |
| Map Reference | MB70 PG66-72 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 2018047341 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | AMERICAN HOME TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| 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 RD, 1560, ORANGE PARK, FL 32073-6780 |
| Name | Verified Name |
|---|---|
| Address | 16 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Document Number | 2018047342 |
|---|---|
| Date | Jul 3, 2018 |
| Instrument | 2018047342 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 16 Spanish Bay Dr was $5,601 with a homeowner's exemption, up 9.1% from the year before.
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 | $331,808 (+2.7%) | $424,203 (-6.88%) Land $100,000 Building $324,203 | |
| 2025 | $5,601.00 (+9.1%) Homeowner's exemption | $323,085 (+2.9%) | $455,535 (-0.97%) Land $112,000 Building $343,535 |
| 2024 | $5,134.00 (+4.41%) Homeowner's exemption | $313,980 (+3%) | $459,998 (+3.65%) Land $110,000 Building $349,998 |
| 2023 | $4,917.00 (+5.76%) Homeowner's exemption | $304,835 (+3%) | $443,820 (+3.78%) Land $105,000 Building $338,820 |
| 2022 | $4,649.00 Homeowner's exemption | $295,956 | $427,672 Land $89,600 Building $338,072 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Spanish Bay Dr in Zone X, an area of minimal flood risk.
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 File 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.
Wildfire risk around 16 Spanish Bay Dr is moderate, ranking above 62% 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 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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