St. Johns County property record for 164 Terracina Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,256 sqft · built 2014 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $529,000 (Jul 2026) |
| Tax Bill | $6,972 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jul 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028687-0310 |
| Primary APN | 028687-0310 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,256 sqft Living Area |
| Gross Area | 3,052 sqft |
| 1st Floor Area | 2,256 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 156 sqft |
| Patio Area | 675 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 164 TERRACINA DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-4500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 58/99-106 MURABELLA UNIT 5 LOT 31 OR4718/1461 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | MURABELLA UNIT 5 |
| Legal Block | 1 |
| Legal Lot Number | 31 |
| Legal Unit | 5 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 20906 |
164 Terracina Dr is owned and occupied by two individuals who bought it in July 2026.
Source: St. Johns County records, as of July 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 164 TERRACINA DR, SAINT AUGUSTINE, FL 32092-4500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jul 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEW WAVE LENDING GROUP INC |
| Jul 30, 2025 | Deed of Trust, Mortgage · Line of Credit COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| May 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY FIRST CU/FL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2026 · Amount on File |
| Deed Sale | Jul 14, 2026 · Amount on File |
| Prior Sale | May 3, 2019 · Amount on File |
| Deed Document Number | 202660165 |
| Deed Book / Page | 6401 / 595 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 14, 2026 |
| Property Address | 164 TERRACINA DR, SAINT AUGUSTINE, FL 32092-4500 |
| Document Number | 0000060165 |
| Book / Page | 6401 / 595 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 202660165 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $374,003.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 164 TERRACINA DR, SAINT AUGUSTINE, FL 32092-4500 |
| Document Number | 0000060166, |
|---|---|
| Date | Jul 14, 2026 |
| Instrument | 202660166 |
| Name | NEW WAVE LENDING GROUP INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 164 TERRACINA DR, SAINT AUGUSTINE, FL 32092-4500 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 164 TERRACINA DR, ST AUGUSTINE, FL 32092-4500 |
| Document Number | 0061931439 |
|---|---|
| Date | Jul 30, 2025 |
| Book Page | 6193/1439 |
| Instrument | 2025061115 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 28, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 3, 2019 |
| Property Address | 164 TERRACINA DR, SAINT AUGUSTINE, FL 32092-4500 |
| Document Number | 0047181461 |
| Book / Page | 004718 / 001461 |
| Instrument Date | Apr 29, 2019 |
| Instrument | 30461 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 164 TERRACINA DR ST AUGUSTINE FL 320924500, ST AUGUSTINE, FL 32092-4500 |
| Document Number | 47181463 |
|---|---|
| Date | May 3, 2019 |
| Book Page | 004718/001463 |
| Instrument | 30462 |
| Name | COMMUNITY FIRST CU/FL |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 2, 2049 |
The 2025 property tax bill for 164 Terracina Dr was $6,972 with a homeowner's exemption, up 8.1% 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 | $301,152 (+2.7%) | $422,712 (-0.77%) Land $110,000 Building $312,712 | |
| 2025 | $6,972.00 (+8.08%) Homeowner's exemption | $293,235 (+2.9%) | $425,979 (-0.46%) Land $110,000 Building $315,979 |
| 2024 | $6,451.00 (+4%) Homeowner's exemption | $284,971 (+3%) | $427,954 (+0.69%) Land $105,000 Building $322,954 |
| 2023 | $6,203.00 (+2.95%) Homeowner's exemption | $276,671 (+3%) | $425,001 (+9.3%) Land $89,600 Building $335,401 |
| 2022 | $6,025.00 Homeowner's exemption | $268,613 | $388,827 Land $89,600 Building $299,227 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 164 Terracina 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 62 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 62 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 164 Terracina Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | Under 1 ppb (2025) 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 312 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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