St. Johns County property record for 181 Spanish Marsh Dr, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 4,401 sqft · built 2014 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $629,000 (Dec 2018) |
| Tax Bill | $12,537 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Jan 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072082-0340 |
| Primary APN | 072082-0340 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 4,401 sqft Living Area |
| Gross Area | 5,191 sqft |
| 1st Floor Area | 2,578 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Attached |
| Garage Area | 790 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 420 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 628 sqft |
| Deck Area | Deck Area |
| Patio Area | 984 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 181 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 34 OR4650/1220 |
| Legal Range | 29E |
| Legal Township | 05S |
| Legal Section | 53 |
| Legal Subdivision | COURTYARD VILLAS OF MONTEREY PHASE TWO |
| Legal Phase | 2 |
| Legal Block | 4 |
| Legal Lot Number | 34 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 20606 |
Source: St. Johns County records · APN 072082-0340
Assessment roll updated April 13, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 181 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 18, 2026 | Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK |
| Jan 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Jun 30, 2020 | Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU |
| Jun 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PLANET HM LNDG |
| Dec 06, 2018 | Warranty Deed, Transfer · Conventional Mortgage PLANET HOME LENDING LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 06, 2018 · Amount on Record |
| Deed Sale | Dec 06, 2018 · Amount on Record |
| Prior Sale | Oct 21, 2014 · Amount on Record |
| Deed Document Number | 201887152 |
| Deed Book / Page | 4650 / 1220 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 181 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 181 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 0063070955 |
|---|---|
| Date | Feb 18, 2026 |
| Book Page | 6307/955 |
| Instrument | 2026013504 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34995 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 181 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 181 SPANISH MARSH DR, ST AUGUSTINE, FL 32095-7403 |
| Document Number | 0054691719 |
|---|---|
| Date | Jan 14, 2022 |
| Book Page | 5469/1719 |
| Instrument | 2022005086 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 181 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0049761849 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 4976/1849 |
| Instrument | 2020051656 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 181 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 0049720736 |
| Instrument Date | Jun 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2020 |
| Title Company | BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 181 SPANISH MARSH DR ST AUGUSTINE FL 320957403, ST AUGUSTINE, FL 32095-7403 |
| Document Number | 0049720736 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 004972/000736 |
| Instrument | 49659 |
| Name | PLANET HM LNDG |
|---|---|
| Address | MERIDEN, CT 06450 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 23, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 06, 2018 |
| Property Address | 181 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 0046501220 |
| Book / Page | 4650 / 1220 |
| Map Reference | MB54 PG12-14 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 2018087152 |
| Transaction Type | Transfer |
| Record Updated | Aug 02, 2022 |
| Title Company | OSBOME & SHEFFIELD TITLE SVC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2700 CRYSTAL WAY, 2700, NAPLES, FL 34119-8676 |
| Name | Verified Name |
|---|---|
| Address | 181 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 2018087153 |
|---|---|
| Date | Dec 06, 2018 |
| Instrument | 2018087153 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2048 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $632,586 (+2.7%) | $1,039,533 (-3.06%) Land $235,000 Building $804,533 | |
| 2025 | $12,537.00 (+8.11%) Homeowner's exemption | $615,955 (+2.9%) | $1,072,383 (-2.87%) Land $235,000 Building $837,383 |
| 2024 | $11,596.00 (+2.32%) Homeowner's exemption | $598,596 (+3%) | $1,104,055 (+8.37%) Land $160,000 Building $944,055 |
| 2023 | $11,333.00 (+1.6%) Homeowner's exemption | $581,161 (+3%) | $1,018,798 (+15.87%) Land $130,000 Building $888,798 |
| 2022 | $11,155.00 Homeowner's exemption | $564,234 | $879,232 Land $100,800 Building $778,432 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090206064, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 219 locations within half a mile · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | SJCU-NORTHEAST UTILITIES WS serves 14,790 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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