185 Sweet Oak Way, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 185 Sweet Oak Way, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,270 sqft · built 2020
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$452,500 (Feb 2025)
Tax Bill	$5,257 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Feb 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`023713-0760`

Property Details

APN / Parcel Number

Primary APN	`023713-0760`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,270 sqft Living Area
Gross Area	2,770 sqft
1st Floor Area	822 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	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	185 SWEET OAK WAY
City	SAINT AUGUSTINE
State	FL
Zip	32095-8997
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	82/79-85 CREEKSIDE AT TWIN CREEKS PHASE 1B LOT 76 OR6092/533
Legal Range	28E
Legal Township	05S
Legal Section	11
Legal Subdivision	CREEKSIDE AT TWIN CREEKS PHASE 1B
Legal Phase	1B
Legal Lot Number	76
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2032
Census Tract	20904

Owner

185 Sweet Oak Way is owned and occupied by two individuals who bought it in February 2025.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	185 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU
Feb 3, 2025	Warranty Deed, Transfer · Loan Assumption INDEECOMM GLOBAL SERVICES
Aug 17, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC
Dec 13, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2025 · Amount on File
Deed Sale	Feb 3, 2025 · Amount on File
Prior Sale	Aug 17, 2020 · Amount on File
Deed Document Number	20257986
Deed Book / Page	6092 / 533
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	185 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997

Mortgage

Document Number	0058100063
Date	Aug 15, 2023
Book Page	5810/63
Instrument	2023064670

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2043

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 3, 2025
Property Address	185 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997
Document Number	0060920533
Book / Page	6092 / 533
Map Reference	MB 82 PG 79
Instrument Date	Jan 24, 2025
Instrument	2025007986
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,167.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 KARAS TRL, PALM COAST, FL 32164-5615

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 SWEET OAK WAY, ST AUGUSTINE, FL 32095-8997

Mortgage

Document Number	2025007987
Date	Feb 3, 2025
Instrument	2025007987

Lender

Name	INDEECOMM GLOBAL SERVICES
Type	Non-Lending Institution

Agreement

Type	Loan Assumption
Amount	Amount on Record

August 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 17, 2020
Property Address	185 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997
Document Number	0050171630
Book / Page	5017 / 1630
Map Reference	MB 82 PG 79
Instrument Date	Aug 10, 2020
Instrument	2020068465
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 2, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,284.80
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	185 SWEET OAK WAY, ST AUGUSTINE, FL 32095-8997

Mortgage

Document Number	0050171634
Date	Aug 17, 2020
Instrument	5017/1634

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 13, 2019
Property Address	185 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997
Document Number	0048490070
Book / Page	004849 / 000070
Instrument Date	Dec 10, 2019
Instrument	93652
Transaction Type	Transfer
Record Updated	Dec 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3,913.00
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

The 2025 property tax bill for 185 Sweet Oak Way was $5,257, up 9.1% from the year before.

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		$378,643 (+25.59%) Land $90,000 Building $288,643	$378,643 (-2.9%) Land $90,000 Building $288,643
2025	$5,257.00 (+9.11%) Homeowner's exemption	$301,497 (+2.9%)	$389,950 (-2.76%) Land $95,000 Building $294,950
2024	$4,818.00 (+0.71%) Homeowner's exemption	$293,000 (+3%)	$401,008 (+17.2%) Land $95,000 Building $306,008
2023	$4,784.00 (+2.09%) Homeowner's exemption	$284,466 (+3%)	$342,168 (+2.56%) Land $95,000 Building $247,168
2022	$4,686.00 Homeowner's exemption	$276,181	$333,614 Land $84,000 Building $249,614

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

Flood

FEMA maps place 185 Sweet Oak Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 185 Sweet Oak Way is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
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

Violations Reported to EPA

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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