1858 W Cobblestone Ln, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 1858 W Cobblestone Ln, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,333 sqft · built 2002
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$447,000 (May 2020)
Tax Bill	$3,848 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`288005-0330`

Property Details

APN / Parcel Number

Primary APN	`288005-0330`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,333 sqft Living Area
Gross Area	4,184 sqft
1st Floor Area	2,847 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	646 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	535 sqft
Deck Area	627 sqft
Patio Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1858 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 33 OR4937/1841
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	33
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 assessment roll, 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 File
Mailing Address	1858 W COBBLESTONE LN, SAINT AUGUSTINE, FL 32092-2799
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 7, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 7, 2020 · Amount on Record
Deed Sale	May 7, 2020 · Amount on Record
Prior Sale	Mar 19, 2014 · Amount on Record
Deed Document Number	202035089
Deed Book / Page	4937 / 1841
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1858 W COBBLESTONE LN, SAINT AUGUSTINE, FL 32092-2799
Transaction Type	Mortgage
Record Updated	Dec 2, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1858 W COBBLESTONE LN, SAINT AUGUSTINE, FL 32092-2799

Mortgage

Document Number	0062581169
Date	Nov 18, 2025
Book Page	6258/1169
Instrument	2025093919

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 7, 2020
Property Address	1858 W COBBLESTONE LN, SAINT AUGUSTINE, FL 32092-2799
Document Number	0049371841
Book / Page	4937 / 1841
Map Reference	MB 37 PG 21-44
Instrument Date	Apr 29, 2020
Instrument	2020035089
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,129.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1020 FORREST HIGHLANDS, 1020, GREENSBORO, GA 30642-5447

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1858 W COBBLESTONE LN, SAINT AUGUSTINE, FL 32092-2799

Mortgage

Document Number	49371843
Date	May 7, 2020
Instrument	4937/1843

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

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		$307,738 (+2.7%)	$593,211 (-2.18%) Land $170,000 Building $423,211
2025	$3,848.00 (+12.81%) Homeowner's exemption	$299,648 (+2.9%)	$606,405 (-2.25%) Land $135,000 Building $471,405
2024	$3,411.00 (+2.03%) Homeowner's exemption	$291,203 (+3%)	$620,390 (+4.13%) Land $145,000 Building $475,390
2023	$3,343.00 (+3.02%) Homeowner's exemption	$282,721 (+3%)	$595,795 (+3.08%) Land $144,000 Building $451,795
2022	$3,245.00 Homeowner's exemption	$274,486	$577,969 Land $95,200 Building $482,769

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Cell Coverage

5G (outdoors only) and 4G LTE

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