St. Johns County property record for 165 Spanish Marsh Dr, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 4,500 sqft · built 2016 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $589,640 (Mar 2016) |
| Tax Bill | $12,185 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jul 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072082-0300 |
| Primary APN | 072082-0300 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 4,500 sqft Living Area |
| Gross Area | 5,288 sqft |
| 1st Floor Area | 2,627 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 10,018 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 788 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 428 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 165 SPANISH MARSH DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-7403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 54/12-14 COURTYARD VILLAS OF MONTEREY PHASE 2 LOT 30 OR4156/1362 |
| Legal Range | 29E |
| Legal Township | 05S |
| Legal Section | 56 |
| Legal Subdivision | COURTYARD VILLAS OF MONTEREY PHASE TWO |
| Legal Phase | 2 |
| Legal Block | 4 |
| Legal Lot Number | 30 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 20606 |
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 | 165 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 16, 2025 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Jul 12, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| May 18, 2021 | Deed of Trust, Mortgage · Line of Credit BBVA USA |
| Sep 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2016 · Amount on Record |
| Deed Sale | Mar 2, 2016 · Amount on Record |
| Deed Document Number | 201612824 |
| Deed Book / Page | 4156 / 1362 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 165 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 165 SPANISH MARSH DR, ST AUGUSTINE, FL 32095-7403 |
| Document Number | 0062731410 |
|---|---|
| Date | Dec 16, 2025 |
| Book Page | 6273/1410 |
| Instrument | 2025101682 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 165 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 165 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 0057900895 |
|---|---|
| Date | Jul 12, 2023 |
| Book Page | 5790/895 |
| Instrument | 2023054075 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 12, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 165 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 165 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 0052680492 |
|---|---|
| Date | May 18, 2021 |
| Book Page | 5268/492 |
| Instrument | 2021055992 |
| Name | BBVA USA |
|---|---|
| Type | Bank |
| Address | SAINT AUGUSTINE, FL 32080 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Apr 23, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 165 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 165 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 0050371796 |
|---|---|
| Date | Sep 9, 2020 |
| Book Page | 5037/1796 |
| Instrument | 2020076616 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78216 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 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 | $605,756 (+2.7%) | $1,039,722 (-1.68%) Land $235,000 Building $804,722 | |
| 2025 | $12,185.00 (+8.05%) Homeowner's exemption | $589,831 (+2.9%) | $1,057,478 (-4.82%) Land $235,000 Building $822,478 |
| 2024 | $11,277.00 (+2.33%) Homeowner's exemption | $573,208 (+3%) | $1,110,992 (+7.43%) Land $160,000 Building $950,992 |
| 2023 | $11,020.00 (+9.56%) Homeowner's exemption | $556,513 (+16.31%) | $1,034,125 (+25.74%) Land $130,000 Building $904,125 |
| 2022 | $10,058.00 Homeowner's exemption | $478,459 | $822,451 Land $100,800 Building $721,651 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 249 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 249 in force |
| Nearby Flood Claims | 3 (2016–2022) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
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 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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 | SJCU-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475 |
|---|---|
| Water Source | Purchased groundwater from JEA MAJOR GRID |
| Last State Inspection | Mar 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| 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 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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