St. Johns County property record for 188 Split Oak Rd, Saint Augustine, FL 32092 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2016 |
| Square Footage | 2,383 sqft Living Area |
| Lot Size | 13,503 sqft (0.31 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $316,741 (2016) |
| Tax Bill | $6,689.00 (2025) |
| Primary APN | 029011-0130 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Building Area | 2,383 sqft Living Area |
| Gross Area | 2,992 sqft Gross Area |
| 1st Floor | 2,383 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Stucco Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 13,503 sqft (0.31 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 609 sqft Garage |
| Patio Area | 75 sqft Patio |
| Porch Area | 444 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 188 SPLIT OAK RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-5444 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 73/4-27 WHISPER CREEK PHASE 1 UNITS A AND B LOT 13 OR4266/999 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 1 UNITS A AND B |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Legal Unit | A |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 4 |
| Census Block | 4019 |
| Census Tract | 20905 |
Source: St. Johns County records · APN 029011-0130
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 188 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5444 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 23, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage WELLS FARGO BANK NA |
| Nov 09, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage WELLS FARGO BANK NA |
| May 31, 2018 | Loan Modification, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) WELLS FARGO BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 04, 2016 · Amount on Record |
| Deed Sale | Oct 04, 2016 · Amount on Record |
| Prior Sale | Sep 01, 2016 · Amount on Record |
| Deed Doc Number | 201665272 |
| Deed Book / Page | 4266 / 999 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 188 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5444 |
| Transaction Type | Mortgage |
| Record Updated | Nov 06, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 188 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5444 |
| Document Number | 0058450468 |
|---|---|
| Date | Oct 23, 2023 |
| Book Page | 5845/468 |
| Instrument | 2023083341 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 297 Months |
| Due | Jul 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 188 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5444 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 188 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5444 |
| Document Number | 0054160131 |
|---|---|
| Date | Nov 09, 2021 |
| Book Page | 5416/131 |
| Instrument | 2021122087 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 320 Months |
| Due | Jul 01, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 188 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5444 |
| Document Number | 0045811366 |
| Instrument Date | May 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 188 SPLIT OAK RD ST AUGUSTINE FL 320925444, ST AUGUSTINE, FL 32092-5444 |
| Document Number | 0045811366 |
|---|---|
| Date | Jul 18, 2018 |
| Book Page | 004581/001366 |
| Instrument | 51082 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 17, 2048 |
| Rate | 3.62% |
|---|
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $315,439 (+2.7%) | $451,387 (+5.33%) Land $110,000 Building $341,387 | |
| 2025 | $6,689.00 (+7.16%) Homeowner's exemption | $307,146 (+2.9%) | $428,558 (-0.98%) Land $110,000 Building $318,558 |
| 2024 | $6,242.00 (+1.33%) Homeowner's exemption | $298,490 (+3%) | $432,796 (+11.66%) Land $110,000 Building $322,796 |
| 2023 | $6,160.00 (+1.63%) Homeowner's exemption | $289,796 (+3%) | $387,606 (+5.22%) Land $89,600 Building $298,006 |
| 2022 | $6,061.00 Homeowner's exemption | $281,355 | $368,378 Land $89,600 Building $278,778 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 40% of the US · above 12% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,639 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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