18 Ridge Lake Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 18 Ridge Lake Rd, Saint Augustine, FL 32086

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,471 sqft · built 2022
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Mar 2023)
Tax Bill	$3,537 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`101671-0440`

Property Details

APN / Parcel Number

Primary APN	`101671-0440`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,471 sqft Living Area
Gross Area	1,782 sqft
1st Floor Area	654 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached
Garage Area	311 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	19 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18 RIDGE LAKE RD
City	SAINT AUGUSTINE
State	FL
Zip	32086-5962
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	106/18-23 PARK RIDGE LOT 44 OR5722/1551
Legal Range	29
Legal Township	07
Legal Section	36
Legal Subdivision	PARK RIDGE
Legal Block	1
Legal Lot Number	44
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1016
Census Tract	21301

Owner

Source: St. Johns County records, as of June 17, 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	18 RIDGE LAKE RD, SAINT AUGUSTINE, FL 32086-5962
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage MARINE BANK & TRUST COMPANY
Jul 26, 2022	Deed of Trust, Mortgage · VA Mortgage AMERIS BANK
Mar 13, 2023	Warranty Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2023 · Amount on Record
Deed Sale	Mar 13, 2023 · Amount on Record
Prior Sale	Jul 26, 2022 · Amount on Record
Deed Document Number	202318567
Deed Book / Page	5722 / 1551
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	18 RIDGE LAKE RD, SAINT AUGUSTINE, FL 32086-5962
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	957 ROYAL PALM BLVD, VERO BEACH, FL 32960-5131

Mortgage

Document Number	0056051224
Date	Jul 28, 2022
Book Page	5605/1224
Instrument	2022073190

Lender

Name	MARINE BANK & TRUST COMPANY
Type	Bank
Address	32983

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	18 RIDGE LAKE RD, SAINT AUGUSTINE, FL 32086-5962
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 SHADY OAKS D #109 109, 109, PALM COAST, FL 32164-2570

Mortgage

Document Number	0056041110
Date	Jul 26, 2022
Book Page	5604/1110
Instrument	2022072699

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 13, 2023
Property Address	18 RIDGE LAKE RD, SAINT AUGUSTINE, FL 32086-5962
Document Number	0057221551
Book / Page	5722 / 1551
Map Reference	MB 106 PG 18-23
Instrument Date	Mar 10, 2023
Instrument	2023018567
Transaction Type	Transfer
Record Updated	May 23, 2023
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	$2,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5473 S JONES BLVD # BLVD1079, BLVD1079, LAS VEGAS, NV 89118-0547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 RIDGE LAKE RD, ST AUGUSTINE, FL 32086-5962

Mortgage

Document Number	0057221553
Date	Mar 13, 2023
Instrument	5722/1553

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

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		$255,761 (-7.21%) Land $68,000 Building $187,761	$255,761 (-7.21%) Land $68,000 Building $187,761
2025	$3,537.00 (+10.36%) Homeowner's exemption	$275,632 (+0.68%)	$275,632 (+0.68%) Land $68,000 Building $207,632
2024	$3,205.00 (+14.14%) Homeowner's exemption	$273,763 (+14.2%)	$273,763 (+14.2%) Land $60,000 Building $213,763
2023	$2,808.00 (+193.72%) Homeowner's exemption	$239,716 (+328.06%)	$239,716 (+328.06%) Land $60,000 Building $179,716
2022	$956.00	$56,000	$56,000 Land $56,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	4 (2001–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma

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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 287 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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