172 Cedar Ridge Cir, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 172 Cedar Ridge Cir, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,972 sqft · built 1999
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$627,900 (Apr 2022)
Tax Bill	$6,858 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162861-0170`

Property Details

APN / Parcel Number

Primary APN	`162861-0170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,972 sqft Living Area
Gross Area	2,409 sqft
1st Floor Area	1,499 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2006
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	130 sqft
Porch	Finished/Open Porch
Porch Area	129 sqft
Patio Area	616 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	172 CEDAR RIDGE CIR
City	SAINT AUGUSTINE
State	FL
Zip	32080-6535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PSD
Legal Description	31/31-36 CEDAR RIDGE LOT 17 OR5540/837
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	CEDAR RIDGE
Legal Block	3
Legal Lot Number	17
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3005
Census Tract	21408

Owner

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	172 CEDAR RIDGE CIR, SAINT AUGUSTINE, FL 32080-6535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 23, 2019	Warranty Deed, Transfer · FHA Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2022 · Amount on Record
Deed Sale	Apr 20, 2022 · Amount on Record
Prior Sale	Sep 23, 2019 · Amount on Record
Deed Document Number	202240260
Deed Book / Page	5540 / 837
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 20, 2022
Property Address	172 CEDAR RIDGE CIR, SAINT AUGUSTINE, FL 32080-6535
Document Number	0055400837
Book / Page	5540 / 837
Map Reference	MB 31 PG 31-36
Instrument Date	Apr 18, 2022
Instrument	2022040260
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,395.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 ATLANTIC AVE, ST AUGUSTINE, FL 32084-2102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 CEDAR RIDGE CIR, ST AUGUSTINE, FL 32080-6535

Mortgage

Document Number	0005540839
Date	Apr 20, 2022
Instrument	5540/839

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 23, 2019
Property Address	172 CEDAR RIDGE CIR, SAINT AUGUSTINE, FL 32080-6535
Document Number	0047991932
Book / Page	4799 / 1932
Map Reference	MB 31 PG 31-36
Instrument Date	Sep 23, 2019
Instrument	2019070483
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ISLAND TTL OF ST AUGUSTINE L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3713, SAINT AUGUSTINE, FL 32085-3713

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	172 CEDAR RIDGE CIR, SAINT AUGUSTINE, FL 32080-6535

Mortgage

Document Number	0047991934
Date	Sep 23, 2019
Instrument	4799/1934

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

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		$515,905 (-1.01%) Land $110,000 Building $405,905	$515,905 (-1.01%) Land $110,000 Building $405,905
2025	$6,858.00 (+7.24%) Homeowner's exemption	$521,155 (-1.09%)	$521,155 (-1.09%) Land $110,000 Building $411,155
2024	$6,395.00 (+1.9%) Homeowner's exemption	$526,918 (+2.99%)	$526,918 (+2.99%) Land $120,000 Building $406,918
2023	$6,276.00 (+82.07%) Homeowner's exemption	$511,617 (+76.95%)	$511,617 (+8.64%) Land $120,000 Building $391,617
2022	$3,447.00 Homeowner's exemption	$289,137	$470,913 Land $108,640 Building $362,273

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record median of 429 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	653 units insured incl. 224 condo units
Nearby Flood Claims	6 (2016–2024)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims

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

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	0.01% annual chance
Exposure	None beyond ember reach

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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber, Verizon.

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