1865 Cross Pointe Way, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 1865 Cross Pointe Way, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,482 sqft · built 2004
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$565,000 (Mar 2025)
Tax Bill	$8,518 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026433-0310`

Property Details

APN / Parcel Number

Primary APN	`026433-0310`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,482 sqft Living Area
Gross Area	2,951 sqft
1st Floor Area	1,735 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	469 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	196 sqft
Patio Area	430 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1865 CROSS POINTE WAY
City	SAINT AUGUSTINE
State	FL
Zip	32092-5011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	43/57-60 ST JOHNS GOLF & COUNTRY CLUB UNIT 2 PHASE 2 LOT 31 OR6106/1925
Legal Range	28E
Legal Township	05S
Legal Section	20
Legal Subdivision	ST. JOHNS GOLF & COUNTRY CLUB UNIT 2 PHA
Legal Phase	2
Legal Block	1
Legal Lot Number	31
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1004
Census Tract	20907

Owner

Source: St. Johns County records · APN 026433-0310

Assessment roll updated April 13, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1865 CROSS POINTE WAY, SAINT AUGUSTINE, FL 32092-5011
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 21, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Aug 28, 2019	Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 03, 2025 · Amount on Record
Deed Sale	Mar 03, 2025 · Amount on Record
Prior Sale	Jul 07, 2004 · Amount on Record
Deed Document Number	202516219
Deed Book / Page	6106 / 1925
Record Updated	Jun 08, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1865 CROSS POINTE WAY, SAINT AUGUSTINE, FL 32092-5011
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1865 CROSS POINTE WAY, SAINT AUGUSTINE, FL 32092-5011

Mortgage

Document Number	0056800295
Date	Dec 15, 2022
Book Page	5680/295
Instrument	2022112736

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 02, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1865 CROSS POINTE WAY, SAINT AUGUSTINE, FL 32092-5011
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046440467
Date	Nov 21, 2018
Book Page	4644/0467
Instrument	2018083900

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	1865 CROSS POINTE WAY, SAINT AUGUSTINE, FL 32092-5011
Document Number	0047911203
Instrument Date	Aug 28, 2019
Transaction Type	Mortgage
Record Updated	Sep 20, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1865 CROSS POINTE WAY ST AUGUSTINE FL 320925011, ST AUGUSTINE, FL 32092-5011

Mortgage

Document Number	0047911203
Date	Sep 09, 2019
Book Page	004791/001203
Instrument	66440

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 08, 2049

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$423,080 (-3.3%) Land $100,000 Building $323,080	$423,080 (-3.3%) Land $100,000 Building $323,080
2025	$8,518.00 (+107%) Homeowner's exemption	$437,496 (+156.87%)	$437,496 (+9.68%) Land $100,000 Building $337,496
2024	$4,115.00 (+2.77%) Homeowner's exemption	$170,321 (+3%)	$398,895 (-4.39%) Land $100,000 Building $298,895
2023	$4,004.00 (+6.86%) Homeowner's exemption	$165,360 (+3%)	$417,195 (+3.62%) Land $90,000 Building $327,195
2022	$3,747.00 Homeowner's exemption	$160,544	$402,602 Land $84,000 Building $318,602

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 81 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	81 in force

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 23% of Florida
Wildfire Likelihood	About 1 in 926 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 55 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
AT&T	Fiber	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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