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188 Flora Lake Cir, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 188 Flora Lake Cir, Saint Augustine, FL 32095

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,187 sqft · built 2016
Lot Size0.22 acres (9,583 sqft)
OwnerTrust Name on File
Last Sale$294,300 (Sep 2016)
Tax Bill$3,480 (2025)
Deeds & MortgagesOct 2020 Mortgage
Mar 2019 Sale
Flood ZoneZone X (minimal risk)
APN026484-0310

Property Details

APN / Parcel Number

Primary APN026484-0310

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area2,187 sqft Living Area
Gross Area2,976 sqft
1st Floor Area2,187 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialStucco
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.22 acres)
Garage TypeAttached
Garage Area600 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area189 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address188 FLORA LAKE CIR
CitySAINT AUGUSTINE
StateFL
Zip32095-8964
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 31 OR4261/1712 & 4692/1181(Q/C)
Legal Range28E
Legal Township05S
Legal Section21
Legal SubdivisionSANDY CREEK PHASES 2A AND 2B
Legal Block1
Legal Lot Number31
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2078
Census Tract20904

Owner

188 Flora Lake Cir is owner-occupied and held in a trust since February 2019.

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

Owner of RecordTrust Name on File
Mailing Address188 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8964
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, 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.

Deeds, Mortgages & Sale History

DateDocument
Oct 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
KELLER MORTGAGE LLC
Mar 11, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 26, 2016 · Amount on File
Deed SaleSep 26, 2016 · Amount on File
Deed Document Number201663153
Deed Book / Page4261 / 1712
Last Transfer DateFeb 27, 2019
Transfer Doc0046921181
Record UpdatedJun 8, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address188 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8964
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address188 FLORA LAKE CIR, AUGUSTINE, FL 35095

Mortgage

Document Number0050771917
DateOct 22, 2020
Book Page5077/1917
Instrument2020093952
Lender
NameKELLER MORTGAGE LLC
TypeMortgage Company
AddressDUBLIN, OH 43016
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2050

March 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST JOHNS FL
Recording DateMar 11, 2019
Property Address188 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8964
Document Number0046921181
Book / Page004692 / 001181
Instrument DateFeb 27, 2019
Instrument16651
Transaction TypeTransfer
Record UpdatedMar 21, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address188 FLORA LAKE CIR ST AUGUSTINE FL 320958964, ST AUGUSTINE, FL 32095-8964

Tax Assessment & Valuation

The 2025 property tax bill for 188 Flora Lake Cir was $3,480 with a homeowner's exemption, up 13.1% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$279,678 (+2.7%)$382,166 (-6.56%) Land $100,000 Building $282,166
2025$3,480.00 (+13.1%) Homeowner's exemption$272,325$408,990 Land $100,000 Building $308,990
2024$3,077.00 (+2.02%)
2023$3,016.00 (+3.11%) Homeowner's exemption$256,942 (+3%)$402,012 (+6.99%) Land $100,000 Building $302,012
2022$2,925.00 Homeowner's exemption$249,458$375,735 Land $84,000 Building $291,735

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

Flood

FEMA maps place 188 Flora Lake Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 206 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies206 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 188 Flora Lake Cir is moderate, ranking above 59% 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 RiskModerate
above 59% of the US · lower than 67% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemSJCU-NORTHEAST UTILITIES WS
serves 14,790 people · EPA ID FL2554475
Water SourcePurchased groundwater from JEA MAJOR GRID
Last State InspectionMar 2024
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable · Fiber in parts of the area		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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