St. Johns County property record for 1908 River Oaks Dr, Saint Johns, FL 32259 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,300 sqft · built 1986 |
| Lot Size | 1.04 acres (45,302 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $236,300 (Jan 2014) |
| Tax Bill | $3,409 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010515-0040 |
| Primary APN | 010515-0040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,300 sqft Living Area |
| Gross Area | 2,784 sqft |
| 1st Floor Area | 2,300 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 45,302 sqft (1.04 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 410 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 155 sqft |
| Deck Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1908 RIVER OAKS DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8329 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF F J FATIO GRANTS RIVER OAKS UNREC SUB LOT 4 OR3838/1533 |
| Legal Range | 27E |
| Legal Township | 06S |
| Legal Section | 43 |
| Legal Subdivision | RIVER OAKS UNPLATTED |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 20807 |
Source: St. Johns County records · APN 010515-0040
Assessment roll updated April 13, 2026 · Last verified July 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 | 1908 RIVER OAKS DR, SAINT JOHNS, FL 32259-8329 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 01, 2026 | Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE |
| Nov 14, 2022 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Nov 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Sep 12, 2019 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 23, 2014 · Amount on Record |
| Deed Sale | Jan 23, 2014 · Amount on Record |
| Deed Document Number | 20144493 |
| Deed Book / Page | 3838 / 1533 |
| Prior Transfer Date | Mar 08, 2004 |
| Prior Transfer Doc | 0000016487 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 01, 2026 |
| Property Address | 1908 RIVER OAKS DR, SAINT JOHNS, FL 32259-8329 |
| Document Number | 0000056272 |
| Book / Page | 6393 / 1149 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 202656272 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 1908 RIVER OAKS DR, SAINT JOHNS, FL 32259-8329 |
| Document Number | 0000056272, |
|---|---|
| Date | Jul 01, 2026 |
| Book Page | 6393/1149 |
| Instrument | 202656272 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1908 RIVER OAKS DR, SAINT JOHNS, FL 32259-8329 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0056630760 |
|---|---|
| Date | Nov 14, 2022 |
| Book Page | 5663/760 |
| Instrument | 2022103953 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1908 RIVER OAKS DR, SAINT JOHNS, FL 32259-8329 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1908 RIVER OAKS DR, JACKSONVILLE, FL 32259-8329 |
| Investor | Possibly a Property Investor |
| Document Number | 0054161387 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 5416/1387 |
| Instrument | 2021122371 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1908 RIVER OAKS DR, SAINT JOHNS, FL 32259-8329 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0047931452 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 4793/1452 |
| Instrument | 2019067517 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified July 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 | $274,300 (+2.7%) | $435,759 (+2.66%) Land $115,000 Building $320,759 | |
| 2025 | $3,409.00 (+13.11%) Homeowner's exemption | $267,089 (+2.9%) | $424,477 (+20.83%) Land $115,000 Building $309,477 |
| 2024 | $3,014.00 (+2.07%) Homeowner's exemption | $259,562 (+3%) | $351,298 (-0.99%) Land $100,000 Building $251,298 |
| 2023 | $2,953.00 (+3.11%) Homeowner's exemption | $252,002 (+3%) | $354,810 (+10.14%) Land $100,000 Building $254,810 |
| 2022 | $2,864.00 Homeowner's exemption | $244,662 | $322,138 Land $95,200 Building $226,938 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090208071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 189 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 189 in force |
| Nearby Flood Claims | 4 (1997–2017) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Sep 2017, rainfall accumulation, Hurricane Irma |
| Wildfire Risk | Moderate above 53% of the US · above 23% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,042 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 277 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Xfinity, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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