172 Camden Cay Dr, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 172 Camden Cay Dr, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,050 sqft · built 2008
Lot Size	0.41 acres (17,859 sqft)
Owner	2 Individual Names on File
Last Sale	$244,000 (May 2017)
Tax Bill	$4,632 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`182324-0250`

Property Details

APN / Parcel Number

Primary APN	`182324-0250`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,050 sqft Living Area
Gross Area	2,733 sqft
1st Floor Area	2,050 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,859 sqft (0.41 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	450 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	172 CAMDEN CAY DR
City	SAINT AUGUSTINE
State	FL
Zip	32086-1815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	56/83-90 GRAND CAY LOT 25 OR5753/5
Legal Range	30E
Legal Township	08S
Legal Section	19
Legal Subdivision	GRAND CAY
Legal Block	1
Legal Lot Number	25
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	1
Census Block	1002
Census Tract	21208

Owner

172 Camden Cay Dr is owned and occupied by two individuals who bought it in May 2017.

Source: St. Johns County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	172 CAMDEN CAY DR, SAINT AUGUSTINE, FL 32086-1815
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.

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Warranty Deed, Transfer · VA Mortgage AMERIS BANK
Feb 25, 2020	Deed of Trust, Mortgage · VA Mortgage RUOFF MORTGAGE COMPANY INC
Apr 18, 2018	Deed of Trust, Mortgage · VA Mortgage RUOFF MORTGAGE COMPANY INC
Dec 15, 2020	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
May 1, 2017	Warranty Deed, Transfer · Conventional Mortgage WESLEND FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2017 · Amount on File
Deed Sale	May 1, 2017 · Amount on File
Prior Sale	Nov 26, 2008 · Amount on File
Deed Document Number	201730080
Deed Book / Page	4366 / 1604
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 8, 2023
Property Address	172 CAMDEN CAY DR, SAINT AUGUSTINE, FL 32086-1815
Document Number	0057530005
Book / Page	5753 / 5
Map Reference	MB 56 PG 83-90
Instrument Date	Apr 27, 2023
Instrument	2023034654
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 CASA BELLA LN, SAINT AUGUSTINE, FL 32086-1824

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 CAMDEN CAY DR, SAINT AUGUSTINE, FL 32086-1815

Mortgage

Document Number	0000057537
Date	May 8, 2023
Instrument	5753/7

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	172 CAMDEN CAY DR, SAINT AUGUSTINE, FL 32086-1815
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048890878
Date	Feb 25, 2020
Book Page	4889/0878
Instrument	2020014835

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	172 CAMDEN CAY DR, SAINT AUGUSTINE, FL 32086-1815
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045321968
Date	Apr 18, 2018
Book Page	4532/1968
Instrument	2018025906

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	172 CAMDEN CAY DR, SAINT AUGUSTINE, FL 32086-1815
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 CAMDEN CAY DR, SAINT AUGUSTINE, FL 32086-1815

Mortgage

Document Number	0051250105
Date	Dec 15, 2020
Book Page	5125/105
Instrument	2020114048

Lender

Name	LOW VA RATES LLC
Type	Non-Lending Institution
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 1, 2017
Property Address	172 CAMDEN CAY DR, SAINT AUGUSTINE, FL 32086-1815
Document Number	0043661604
Book / Page	4366 / 1604
Map Reference	MB56 PG83-90
Instrument Date	Apr 19, 2017
Instrument	2017030080
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	WATSON TITLE SVCS OF NORTH F

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4218 CANDLEBERRY WAY, 4218, WILLIAMSBURG, VA 23188-7614

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	273 ORIOLE LN, TELFORD, TN 37690-2370

Mortgage

Document Number	2017030081
Date	May 1, 2017
Instrument	2017030081

Lender

Name	WESLEND FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 172 Camden Cay Dr was $4,632 with a homeowner's exemption, up 10.3% from the year before.

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$356,281 (-0.45%) Land $84,000 Building $272,281	$356,281 (-0.45%) Land $84,000 Building $272,281
2025	$4,632.00 (+10.26%) Homeowner's exemption	$357,890 (+1.04%)	$357,890 (+1.04%) Land $84,000 Building $273,890
2024	$4,201.00 (+56.75%) Homeowner's exemption	$354,211 (+53.66%)	$354,211 (-0.89%) Land $67,200 Building $287,011
2023	$2,680.00 (+3.2%) Homeowner's exemption	$230,518 (+3%)	$357,400 (+14.27%) Land $67,200 Building $290,200
2022	$2,597.00 Homeowner's exemption	$223,804	$312,780 Land $67,200 Building $245,580

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 172 Camden Cay Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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 102 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	102 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · rainfall accumulation

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

Wildfire risk around 172 Camden Cay Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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