1905 River Lagoon Trce, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 1905 River Lagoon Trce, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,998 sqft · built 2006
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Mar 2010)
Tax Bill	$7,846 (2025)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`288103-2420`

Property Details

APN / Parcel Number

Primary APN	`288103-2420`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,998 sqft Living Area
Gross Area	2,412 sqft
1st Floor Area	1,998 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	346 sqft
Patio Area	1,120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1905 RIVER LAGOON TRCE
City	SAINT AUGUSTINE
State	FL
Zip	32092-2417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	47/84-94 ST JOHNS SIX MILE CREEK WEST UNIT 1 LOT 242 OR3294/1
Legal Range	27E
Legal Township	06S
Legal Section	24
Legal Subdivision	SAINT JOHNS SIX MILE CREEK WEST UNIT 1
Legal Block	1
Legal Lot Number	242
Legal Unit	1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1008
Census Tract	20905

Owner

Source: St. Johns County records · APN 288103-2420

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	1905 RIVER LAGOON TRCE, SAINT AUGUSTINE, FL 32092-2417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 10, 2010 · Amount on Record
Deed Sale	Mar 10, 2010 · Amount on Record
Prior Sale	May 30, 2006 · Amount on Record
Deed Document Number	201011010
Deed Book / Page	3294 / 1
Record Updated	Jun 08, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1905 RIVER LAGOON TRCE, SAINT AUGUSTINE, FL 32092-2417
Document Number	0046931450
Instrument Date	Mar 04, 2019
Transaction Type	Mortgage
Record Updated	Mar 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1905 RIVER LAGOON TRCE ST AUGUSTINE FL 320922417, ST AUGUSTINE, FL 32092-2417

Mortgage

Document Number	0046931450
Date	Mar 13, 2019
Book Page	004693/001450
Instrument	17231

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 12, 2034

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$384,628 (-1.74%) Land $85,000 Building $299,628	$384,628 (-1.74%) Land $85,000 Building $299,628
2025	$7,846.00 (+11.7%)	$391,447 (+1.56%)	$391,447 (+1.56%) Land $90,000 Building $301,447
2024	$7,024.00 (+2.69%)	$385,435 (-1.06%)	$385,435 (-1.06%) Land $100,000 Building $285,435
2023	$6,840.00 (+6.48%)	$389,583 (+8.95%)	$389,583 (+8.95%) Land $100,000 Building $289,583
2022	$6,424.00	$357,582	$357,582 Land $75,040 Building $282,542

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 84 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 in force

Wildfire

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 468 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SJCU-NORTHWEST UTILITIES WTP serves 48,040 people
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.