St. Johns County property record for 189 Spanish Marsh Dr, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,316 sqft · built 2014 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $466,079 (Oct 2014) |
| Tax Bill | $10,305 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 072082-0360 |
| Primary APN | 072082-0360 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,316 sqft Living Area |
| Gross Area | 4,030 sqft |
| 1st Floor Area | 2,138 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 714 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 422 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 264 sqft |
| Patio Area | 969 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 189 SPANISH MARSH DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-7403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 54/12-14 COURTYARD VILLAS OF MONTEREY PHASE 2 LOT 36 OR3942/589 |
| Legal Range | 29E |
| Legal Township | 05S |
| Legal Section | 53 |
| Legal Subdivision | COURTYARD VILLAS OF MONTEREY PHASE TWO |
| Legal Phase | 2 |
| Legal Block | 4 |
| Legal Lot Number | 36 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 20606 |
Source: St. Johns County records, 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 Record |
|---|---|
| Mailing Address | 189 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 10, 2019 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2014 · Amount on Record |
| Deed Sale | Oct 15, 2014 · Amount on Record |
| Deed Document Number | 201460482 |
| Deed Book / Page | 3942 / 589 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 189 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 289 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 0051351670 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 5135/1670 |
| Instrument | 2020118541 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 189 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403 |
| Document Number | 0047420419 |
| Instrument Date | Jun 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 189 SPANISH MARSH DR ST AUGUSTINE FL 320957403, ST AUGUSTINE, FL 32095-7403 |
| Document Number | 0047420419 |
|---|---|
| Date | Jun 17, 2019 |
| Book Page | 004742/000419 |
| Instrument | 42478 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 16, 2029 |
| Rate Type | Adjustable Rate |
|---|
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 | $462,385 (+2.7%) | $827,179 (-2.22%) Land $235,000 Building $592,179 | |
| 2025 | $10,305.00 (+7.61%) Homeowner's exemption | $450,229 (+2.9%) | $845,936 (-0.59%) Land $235,000 Building $610,936 |
| 2024 | $9,576.00 (+2.44%) Homeowner's exemption | $437,540 (+3%) | $850,991 (+9.1%) Land $160,000 Building $690,991 |
| 2023 | $9,348.00 (+1.48%) Homeowner's exemption | $424,796 (+3%) | $780,010 (+19.42%) Land $130,000 Building $650,010 |
| 2022 | $9,212.00 Homeowner's exemption | $412,423 | $653,140 Land $100,800 Building $552,340 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 249 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 249 in force |
| Nearby Flood Claims | 3 (2016–2022) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475 |
|---|---|
| Water Source | Purchased groundwater from JEA MAJOR GRID |
| Last State Inspection | Mar 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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