St. Johns County property record for 161 Flora Lake Cir, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,519 sqft · built 2015 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $455,000 (Sep 2021) |
| Tax Bill | $5,826 (2025) |
| Deeds & Mortgages | Oct 2022 Second Mortgage Sep 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026484-0150 |
| Primary APN | 026484-0150 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,519 sqft Living Area |
| Gross Area | 3,264 sqft |
| 1st Floor Area | 2,519 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 385 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished Screened Porch |
| Porch Area | 360 sqft |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 161 FLORA LAKE CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8965 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 15 OR5358/1747 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 21 |
| Legal Subdivision | SANDY CREEK PHASES 2A AND 2B |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 20904 |
161 Flora Lake Cir is owned and occupied by two individuals who bought it in September 2021.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 161 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8965 |
| 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 |
|---|---|
| Oct 21, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Sep 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Aug 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Oct 11, 2017 | Deed of Trust, Mortgage · Conventional with PMI PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2021 · Amount on File |
| Deed Sale | Sep 1, 2021 · Amount on File |
| Prior Sale | Feb 3, 2016 · Amount on File |
| Deed Document Number | 202196802 |
| Deed Book / Page | 5358 / 1747 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 161 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8965 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 161 FLORA LAKE CIR, ST AUGUSTINE, FL 32095-8965 |
| Document Number | 0056521717 |
|---|---|
| Date | Oct 21, 2022 |
| Book Page | 5652/1717 |
| Instrument | 2022098447 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Sep 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 1, 2021 |
| Property Address | 161 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8965 |
| Document Number | 0053581747 |
| Book / Page | 5358 / 1747 |
| Map Reference | MB 74 PG 86-98 |
| Instrument Date | Jul 21, 2021 |
| Instrument | 2021096802 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,185.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 900 WILSHIRE DR STE 107, 107, TROY, MI 48084-1600 |
| Name | Verified Name |
|---|---|
| Address | 161 FLORA LAKE CIR, ST AUGUSTINE, FL 32095-8965 |
| Document Number | 0053581750 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 5358/1750 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 161 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8965 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0050171504 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 5017/1504 |
| Instrument | 2020068454 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 161 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8965 |
| Document Number | 0044511486 |
| Book / Page | 004451 / 001486 |
| Instrument Date | Oct 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 161 FLORA LAKE CIR ST AUGUSTINE FL 320958965, ST AUGUSTINE, FL 32095-8965 |
| Document Number | 0044511486 |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | 004451/001486 |
| Instrument | 71469 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 22, 2047 |
The 2025 property tax bill for 161 Flora Lake Cir was $5,826 with a homeowner's exemption, up 12.6% 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 | $422,175 (-5.45%) Land $100,000 Building $322,175 | $422,175 (-8.84%) Land $100,000 Building $322,175 | |
| 2025 | $5,826.00 (+12.6%) Homeowner's exemption | $446,527 (+3.41%) | $463,102 (+7.15%) Land $100,000 Building $363,102 |
| 2024 | $5,174.00 (+2.94%) Homeowner's exemption | $431,811 (+3.96%) | $432,215 (+0.13%) Land $100,000 Building $332,215 |
| 2023 | $5,026.00 (+2.72%) Homeowner's exemption | $415,356 (+3%) | $431,640 (+7.04%) Land $100,000 Building $331,640 |
| 2022 | $4,893.00 Homeowner's exemption | $403,258 | $403,258 Land $84,000 Building $319,258 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 161 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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 161 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 Risk | Moderate above 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475 |
|---|---|
| Water Source | Purchased groundwater from JEA MAJOR GRID |
| Last State Inspection | Mar 2024 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max 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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