185 Terracina Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 185 Terracina Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,902 sqft · built 2011
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on File
Last Sale	$172,900 (Jan 2012)
Tax Bill	$5,433 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028687-0210`

Property Details

APN / Parcel Number

Primary APN	`028687-0210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,902 sqft Living Area
Gross Area	2,630 sqft
1st Floor Area	1,902 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	322 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	185 TERRACINA DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-4502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	58/99-106 MURABELLA UNIT 5 LOT 21 OR3512/534
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	MURABELLA UNIT 5
Legal Block	1
Legal Lot Number	21
Legal Unit	5
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1009
Census Tract	20906

Owner

185 Terracina Dr is owned and occupied by an individual who bought it in January 2012.

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

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

Owner of Record	Individual Name on File
Mailing Address	185 TERRACINA DR, SAINT AUGUSTINE, FL 32092-4502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2012 · Amount on File
Deed Sale	Jan 5, 2012 · Amount on File
Prior Sale	Sep 19, 2011 · Amount on File
Deed Document Number	2012744
Deed Book / Page	3512 / 534
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	185 TERRACINA DR, SAINT AUGUSTINE, FL 32092-4502
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 TERRACINA DR, SAINT AUGUSTINE, FL 32092-4502
Investor	Possibly a Property Investor

Mortgage

Document Number	0053400724
Date	Aug 11, 2021
Book Page	5340/724
Instrument	2021088574

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 185 Terracina Dr was $5,433 with exemptions applied, up 7.4% 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		$189,007 (+2.7%)	$346,253 (-5.51%) Land $110,000 Building $236,253
2025	$5,433.00 (+7.44%) Homeowner's exemption Widower's exemption	$184,038 (+2.9%)	$366,447 (-1.88%) Land $110,000 Building $256,447
2024	$5,057.00 (+3.31%) Homeowner's exemption Widower's exemption	$178,851 (+3%)	$373,478 (+0.56%) Land $105,000 Building $268,478
2023	$4,895.00 (+3.16%) Homeowner's exemption	$173,642 (+3%)	$371,402 (+9.03%) Land $89,600 Building $281,802
2022	$4,745.00 Homeowner's exemption	$168,584	$340,647 Land $89,600 Building $251,047

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

Flood

FEMA maps place 185 Terracina Dr in Zone X, an area of minimal flood risk.

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 File median of 62 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 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 Terracina Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% 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 286 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
Verizon Fixed Wireless	300 / 20