186 Ocean Cay Blvd, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 186 Ocean Cay Blvd, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,715 sqft · built 2015
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Aug 2025)
Tax Bill	$4,162 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`162881-0340`

Property Details

APN / Parcel Number

Primary APN	`162881-0340`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,715 sqft Living Area
Gross Area	2,260 sqft
1st Floor Area	1,715 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	424 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	241 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	186 OCEAN CAY BLVD
City	SAINT AUGUSTINE
State	FL
Zip	32080-5889
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	71/23-28 OCEAN CAY LOT 34 OR6196/30
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	OCEAN CAY
Legal Block	1
Legal Lot Number	34
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3016
Census Tract	21408

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	1206 LAKE AVE, RICHMOND, VA 23226-1118
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2020	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Jun 15, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 4, 2025 · Amount on Record
Deed Sale	Aug 4, 2025 · Amount on Record
Prior Sale	Jul 31, 2020 · Amount on Record
Deed Document Number	202562212
Deed Book / Page	6196 / 30
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 31, 2020
Property Address	186 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5889
Document Number	0050031839
Book / Page	5003 / 1839
Map Reference	MB 71 PG 23-28
Instrument Date	Jul 27, 2020
Instrument	2020062504
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	GIBRALTAR TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,674.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 LOS CAMINOS ST, 324, SAINT AUGUSTINE, FL 32095-7411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4337 NW 34TH TER, GAINESVILLE, FL 32605-2069

Mortgage

Document Number	50031841
Date	Jul 31, 2020
Instrument	5003/1841

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 3, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 15, 2017
Property Address	186 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5889
Document Number	0043891290
Book / Page	004389 / 001290
Instrument Date	Jun 6, 2017
Instrument	41381
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 OCEAN CAY BLVD ST AUGUSTINE FL 320805889, ST AUGUSTINE, FL 32080-5889

Mortgage

Document Number	43891292
Date	Jun 15, 2017
Book Page	004389/001292
Instrument	41382

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2047

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		$470,236 (+46.1%) Land $140,000 Building $330,236	$470,236 (-5.65%) Land $140,000 Building $330,236
2025	$4,162.00 (+12.58%) Homeowner's exemption	$321,858 (+2.9%)	$498,374 (+3.86%) Land $140,000 Building $358,374
2024	$3,697.00 (+2.01%) Homeowner's exemption	$312,787 (+3%)	$479,859 (+8.22%) Land $127,000 Building $352,859
2023	$3,624.00 (+2.93%) Homeowner's exemption	$303,677 (+3%)	$443,417 (+3.41%) Land $127,000 Building $316,417
2022	$3,521.00 Homeowner's exemption	$294,832	$428,802 Land $123,200 Building $305,602

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 429 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	653 units insured incl. 224 condo units
Nearby Flood Claims	6 (2016–2024)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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-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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: IQ Fiber, Verizon.

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