St. Johns County property record for 166 Spanish Bay Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 3,673 sqft · built 2016 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $383,551 (Mar 2016) |
| Tax Bill | $3,071 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Jul 2023 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026551-3720 |
| Primary APN | 026551-3720 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,673 sqft Living Area |
| Gross Area | 4,354 sqft |
| 1st Floor Area | 1,923 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 681 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 420 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 368 sqft |
| Patio Area | 1,072 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 166 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 372 OR4163/1176 |
| 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 | 372 |
| 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 | 166 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 31, 2024 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Jul 31, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Nov 23, 2021 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Jan 13, 2021 | Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2016 · Amount on Record |
| Deed Sale | Mar 17, 2016 · Amount on Record |
| Deed Document Number | 201616233 |
| Deed Book / Page | 4163 / 1176 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 166 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2024 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 166 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Document Number | 0058931019 |
|---|---|
| Date | Jan 31, 2024 |
| Book Page | 5893/1019 |
| Instrument | 2024007680 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 166 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Title Company | ACTION TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 166 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Document Number | 0058001134 |
|---|---|
| Date | Jul 31, 2023 |
| Book Page | 5800/1134 |
| Instrument | 2023059471 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 166 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 166 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Document Number | 0054270160 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 5427/160 |
| Instrument | 2021127049 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 166 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 166 SPANISH RAY DRIVE, SAINT AUGUSTINE, FL 32092-3222 |
| Document Number | 0051501123 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 5150/1123 |
| Instrument | 2021004401 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 1, 2046 |
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 | $470,488 (+2.7%) | $575,830 (-6.59%) Land $100,000 Building $475,830 | |
| 2025 | $3,071.00 (+2.67%) Disabled Person's exemption Veteran's exemption | $458,119 (+2.9%) | $616,487 (+1.25%) Land $112,000 Building $504,487 |
| 2024 | $2,991.00 (-61.82%) Disabled Person's exemption Veteran's exemption | $445,208 (+3%) | $608,891 (+2.88%) Land $110,000 Building $498,891 |
| 2023 | $7,834.00 (+4.01%) Homeowner's exemption | $432,241 (+3%) | $591,818 (+2.87%) Land $105,000 Building $486,818 |
| 2022 | $7,532.00 Homeowner's exemption | $419,651 | $575,306 Land $89,600 Building $485,706 |
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 | 0.2% 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 | 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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