St. Johns County property record for 186 Silver Fern Dr, Saint Augustine, FL 32086
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,644 sqft · built 2020 |
| Lot Size | 0.11 acres (4,791 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $2,798 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 135831-0290 |
| Primary APN | 135831-0290 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,644 sqft Living Area |
| Gross Area | 1,866 sqft |
| 1st Floor Area | 798 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 4,791 sqft (0.11 acres) |
| Garage Type | Attached |
| Garage Area | 222 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 62 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 186 SILVER FERN DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-9059 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | 99/69-73 ORCHARD PARK PHASE 1 LOT 29 OR5000/330 & 5081/1889(Q/C) |
| Legal Range | 29E |
| Legal Township | 08S |
| Legal Section | 02 |
| Legal Subdivision | ORCHARD PARK PHASE 1 |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 29 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 21207 |
186 Silver Fern Dr, a townhouse, is owner-occupied and held in a trust.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 186 SILVER FERN DR, SAINT AUGUSTINE, FL 32086-9059 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 186 SILVER FERN DR, SAINT AUGUSTINE, FL 32086-9059 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 186 SILVER FERN DR, SAINT AUGUSTINE, FL 32086-9059 |
| Document Number | 0053261590 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | 5326/1590 |
| Instrument | 2021082411 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 353 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 186 Silver Fern Dr was $2,798 with a homeowner's exemption, up 13.7% from the year before.
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 | $227,711 (+2.7%) | $248,987 (-4.88%) Land $56,800 Building $192,187 | |
| 2025 | $2,798.00 (+13.69%) Homeowner's exemption | $221,724 | $261,754 Land $56,800 Building $204,954 |
| 2024 | $2,461.00 (+2.12%) | ||
| 2023 | $2,410.00 (+3.34%) Homeowner's exemption | $209,199 (+3%) | $255,174 (+5.68%) Land $44,800 Building $210,374 |
| 2022 | $2,332.00 Homeowner's exemption | $203,106 | $241,469 Land $44,800 Building $196,669 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Silver Fern 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 86 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 86 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 risk around 186 Silver Fern Dr is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T.
5G (outdoors only) and 4G LTE
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