184 Silver Reef Ln, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 184 Silver Reef Ln, Saint Augustine, FL 32095 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,268 sqft · built 2020
Lot Size	0.21 acres (9,147 sqft)
Owner	2 Individual Names on File
Last Sale	$364,500 (Nov 2020)
Tax Bill	$5,847 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023713-3510`

Property Details

APN / Parcel Number

Primary APN	`023713-3510`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,268 sqft Living Area
Gross Area	3,034 sqft
1st Floor Area	2,268 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	184 SILVER REEF LN
City	SAINT AUGUSTINE
State	FL
Zip	32095-7526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	96/81-95 CREEKSIDE AT TWIN CREEKS PHASE 2B LOT 351 OR5100/1332
Legal Range	28E
Legal Township	05S
Legal Section	14
Legal Subdivision	CREEKSIDE AT TWIN CREEKS PHASE 2B
Legal Phase	2B
Legal Block	2
Legal Lot Number	351
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2043
Census Tract	20904

Owner

Source: St. Johns County records · APN 023713-3510

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	184 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Grant Deed, Subdivision Related Transfer · FHA Mortgage LENNAR MTG LLC
Nov 17, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC
Dec 13, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 17, 2020 · Amount on Record
Deed Sale	Nov 17, 2020 · Amount on Record
Deed Document Number	2020104061
Deed Book / Page	5100 / 1332
Record Updated	Jun 08, 2026

January 2021: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 21, 2021
Property Address	184 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526
Document Number	0051580612
Book / Page	005158 / 000612
Instrument Date	Jan 19, 2021
Instrument	7550
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 04, 2021
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,552.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24 SPARROW SONG PL ST AUGUSTINE FL 320957590, ST AUGUSTINE, FL 32095-7590

Mortgage

Document Number	51580616
Date	Jan 21, 2021
Book Page	005158/000616
Instrument	7551

Lender

Name	LENNAR MTG LLC
Address	MIAMI, FL 33172-3139

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2051

November 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 17, 2020
Property Address	184 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526
Document Number	0051001332
Book / Page	5100 / 1332
Map Reference	MB 96 PG 81
Instrument Date	Nov 02, 2020
Instrument	2020104061
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,551.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526

Mortgage

Document Number	51001336
Date	Nov 17, 2020
Instrument	5100/1336

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 13, 2019
Property Address	184 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526
Document Number	0048481931
Book / Page	004848 / 001931
Instrument Date	Dec 11, 2019
Instrument	93630
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$17,199.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9440 PHILIPS HWY #7 JACKSONVILLE FL 322561339, 7, JACKSONVILLE, FL 32256-1339
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

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		$340,790 (+2.7%)	$435,058 (-0.4%) Land $110,000 Building $325,058
2025	$5,847.00 (+8.9%) Homeowner's exemption	$331,831 (+2.9%)	$436,810 (-2.76%) Land $105,000 Building $331,810
2024	$5,369.00 (+0.75%) Homeowner's exemption	$322,479 (+3%)	$449,205 (+20.42%) Land $105,000 Building $344,205
2023	$5,329.00 (+2.01%) Homeowner's exemption	$313,086 (+3%)	$373,026 (+1.87%) Land $95,000 Building $278,026
2022	$5,224.00 Homeowner's exemption	$303,967	$366,180 Land $84,000 Building $282,180

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 206 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 in force

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 17% of Florida
Wildfire Likelihood	About 1 in 1,235 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 198 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Xfinity, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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