1816 W Cobblestone Ln, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 1816 W Cobblestone Ln, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,073 sqft · built 2003
Lot Size	0.23 acres (10,018 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Oct 2008)
Tax Bill	$8,030 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`288005-0430`

Property Details

APN / Parcel Number

Primary APN	`288005-0430`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	3,073 sqft Living Area
Gross Area	3,943 sqft
1st Floor Area	3,073 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	344 sqft
Porch	Finished Screened Porch
Porch Area	502 sqft
Deck Area	Deck Area
Patio Area	410 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1816 W COBBLESTONE LN
City	SAINT AUGUSTINE
State	FL
Zip	32092-2799
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	37/21-44 ST JOHNS SIX MILE CREEK NORTH UNIT 1 BLOCK 5 LOT 43 OR3135/1007 & 6015/1113(Q/C)
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	SAINT JOHNS SIX MILE CREEK NORTH UNIT 1
Legal Block	5
Legal Lot Number	43
Legal Unit	1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4006
Census Tract	20905

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	Individual Name on Record
Mailing Address	1816 W COBBLESTONE LN, SAINT AUGUSTINE, FL 32092-2799
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2008 · Amount on Record
Deed Sale	Oct 28, 2008 · Amount on Record
Prior Sale	Aug 21, 2007 · Amount on Record
Deed Document Number	200858248
Deed Book / Page	3135 / 1007
Last Transfer Date	Sep 5, 2024
Transfer Doc	0060151113
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1816 W COBBLESTONE LN, SAINT AUGUSTINE, FL 32092-2799
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1816 W COBBLESTONE LN, SAINT AUGUSTINE, FL 32092-2799

Mortgage

Document Number	0061251634
Date	Apr 4, 2025
Book Page	6125/1634
Instrument	2025026278

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 25, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$584,595 (-5.3%)	$588,984 (-4.59%) Land $135,000 Building $453,984
2025	$8,030.00 (+13.11%)	$617,304 (-2.35%)	$617,304 (-2.35%) Land $135,000 Building $482,304
2024	$7,099.00 (+6.64%)	$632,165 (+6.73%)	$632,165 (+6.73%) Land $145,000 Building $487,165
2023	$6,657.00 (+7.08%)	$592,325 (+6.11%)	$592,325 (+6.11%) Land $144,000 Building $448,325
2022	$6,217.00	$558,224	$558,224 Land $95,200 Building $463,024

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

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 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	1 (2017)
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	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% 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-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250