St. Johns County property record for 185 Orchard Ln, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,389 sqft · built 2018 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $544,900 (Jun 2022) |
| Tax Bill | $8,746 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 027016-0130 |
| Primary APN | 027016-0130 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,389 sqft Living Area |
| Gross Area | 3,248 sqft |
| 1st Floor Area | 2,389 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 691 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 168 sqft |
| Patio Area | 210 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 185 ORCHARD LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-0029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 83/34-39 BANNON LAKES PHASE 1B-2 LOT 13 OR5576/1836 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 12 |
| Legal Subdivision | BANNON LAKES PHASE 1B-2 |
| Legal Phase | 1B |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20904 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 185 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 10, 2022 | Transfer on Death Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 15, 2018 | Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2022 · Amount on Record |
| Deed Sale | Jun 10, 2022 · Amount on Record |
| Prior Sale | Jun 15, 2018 · Amount on Record |
| Deed Document Number | 202258554 |
| Deed Book / Page | 5576 / 1836 |
| Record Updated | Jun 8, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 10, 2022 |
| Property Address | 185 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Document Number | 0055761836 |
| Book / Page | 5576 / 1836 |
| Map Reference | MB 83 PG 34-39 |
| Instrument Date | Jun 10, 2022 |
| Instrument | 2022058554 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | BANKERS TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 185 ORCHARD LN, ST AUGUSTINE, FL 32095-0029 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 185 ROCAHRD LANE, ST AUGUSTINE, FL 32095 |
| Document Number | 0055761838 |
|---|---|
| Date | Jun 10, 2022 |
| Book Page | 5576/1838 |
| Instrument | 2022058555 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 185 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 185 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Document Number | 0051621890 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 5162/1890 |
| Instrument | 2021009444 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 15, 2018 |
| Property Address | 185 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Document Number | 0045631938 |
| Book / Page | 004563 / 001938 |
| Instrument Date | Jun 8, 2018 |
| Instrument | 42059 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2019 |
| Title Company | TITLE MATTERS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,272.20 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 185 ORCHARD LN ST AUGUSTINE FL 320950029, ST AUGUSTINE, FL 32095-0029 |
| Document Number | 45631940 |
|---|---|
| Date | Jun 15, 2018 |
| Book Page | 004563/001940 |
| Instrument | 42060 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 14, 2048 |
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 | $423,530 (-4.31%) Land $100,000 Building $323,530 | $423,530 (-4.31%) Land $100,000 Building $323,530 | |
| 2025 | $8,746.00 (+7.3%) Homeowner's exemption | $442,592 (-0.72%) | $442,592 (-0.72%) Land $105,000 Building $337,592 |
| 2024 | $8,151.00 (-0.91%) Homeowner's exemption | $445,785 (-0.21%) | $445,785 (-0.21%) Land $105,000 Building $340,785 |
| 2023 | $8,226.00 (+32.76%) Homeowner's exemption | $446,705 (+51.21%) | $446,705 (+15.82%) Land $105,000 Building $341,705 |
| 2022 | $6,196.00 Homeowner's exemption | $295,416 | $385,694 Land $84,000 Building $301,694 |
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 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 in force |
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 67% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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-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 |
| 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.
Source: FCC Broadband Data Collection, based on 155 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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