St. Johns County property record for 173 Spanish Marsh Dr, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,767 sqft · built 2013 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $11,142 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072082-0320 |
| Primary APN | 072082-0320 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 20 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,767 sqft Living Area |
| Gross Area | 4,503 sqft |
| 1st Floor Area | 1,912 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 736 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 514 sqft |
| Patio Area | 230 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 173 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 32 OR4765/777 & 5395/1592(Q/C) |
| Legal Range | 29E |
| Legal Township | 05S |
| Legal Section | 53 |
| Legal Subdivision | COURTYARD VILLAS OF MONTEREY PHASE TWO |
| Legal Phase | 2 |
| Legal Tract | 2 |
| Legal Block | 4 |
| Legal Lot Number | 32 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 173 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2020 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Oct 18, 2021 | Intrafamily Transfer, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK |
| Jul 25, 2019 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Aug 2, 2018 | Warranty Deed, Transfer · Conventional with PMI VYSTAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2021 |
| Deed Sale | Oct 18, 2021 |
| Prior Sale | Jul 25, 2019 · Amount on Record |
| Deed Document Number | 2021113061 |
| Deed Book / Page | 5395 / 1592 |
| Prior Transfer Date | Oct 9, 2021 |
| Prior Transfer Doc | 0053951592 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 173 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 173 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 0050760380 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 5076/380 |
| Instrument | 2020093128 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 18, 2021 |
| Property Address | 173 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 0053951592 |
| Book / Page | 5395 / 1592 |
| Map Reference | MB 54 PG 12-14 |
| Instrument Date | Oct 9, 2021 |
| Instrument | 2021113061 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2021 |
| Title Company | TIMIOS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 53951594 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 5395/1594 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 25, 2019 |
| Property Address | 173 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 0047650777 |
| Book / Page | 004765 / 000777 |
| Instrument Date | Jul 13, 2019 |
| Instrument | 53663 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2019 |
| Title Company | ELITE TITLE AND ESCROW, ELITE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,499.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 173 SPANISH MARSH DR ST AUGUSTINE FL 320957403, ST AUGUSTINE, FL 32095-7403 |
| Document Number | 47650779 |
|---|---|
| Date | Jul 25, 2019 |
| Book Page | 004765/000779 |
| Instrument | 53664 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 24, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 2, 2018 |
| Property Address | 173 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 0045901228 |
| Book / Page | 004590 / 001228 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 55843 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2018 |
| Title Company | LAND TITLE/AMERICA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,360.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 173 SPANISH MARSH DR ST AUGUSTINE FL 320957403, ST AUGUSTINE, FL 32095-7403 |
| Document Number | 45901230 |
|---|---|
| Date | Aug 2, 2018 |
| Book Page | 004590/001230 |
| Instrument | 55844 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
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 | $526,158 (+2.7%) | $881,930 (-3.47%) Land $235,000 Building $646,930 | |
| 2025 | $11,142.00 (+7.83%) Homeowner's exemption | $512,325 (+5.99%) | $913,600 (+3.77%) Land $235,000 Building $678,600 |
| 2024 | $10,333.00 (+2.39%) | ||
| 2023 | $10,092.00 (+1.53%) Homeowner's exemption | $483,384 (+3%) | $880,430 (+19.19%) Land $130,000 Building $750,430 |
| 2022 | $9,940.00 Homeowner's exemption | $469,305 | $738,666 Land $100,800 Building $637,866 |
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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