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191 Surfside Ave, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 191 Surfside Ave, Saint Augustine, FL 32084 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms4 Baths
Year BuiltBuilt 2005
Square Footage4,120 sqft Living Area
Lot Size40,946 sqft (0.94 acres)
OccupancyOwner Occupied
Last Sale$1,525,000 (2021)
Tax Bill$25,974.00 (2025)

Property Details

APN / Parcel Number

Primary APN146890-0000

Interior

Bedrooms3 Beds
Full Baths4 Baths
Plumbing Fixtures16 Plumbing Fixtures
Building Area4,120 sqft Living Area
Gross Area4,860 sqft Gross Area
1st Floor2,130 sqft 1st Floor
Stories2 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces
ElevatorElevator

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Exterior
Construction TypeWood Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area40,946 sqft (0.94 acres)
Depth X Width285 ft x 150 ft Depth x Width
Parking Spaces3 Parking Spaces
Garage TypeAttached Garage
Garage Area740 sqft Garage
Porch Area1,754 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address191 SURFSIDE AVE
CitySAINT AUGUSTINE
StateFL
Zip32084-2236
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description4/32 SURFSIDE UNIT A LOTS 1 THRU 3 BLK L OR5172/156
Legal Range30E
Legal Township07S
Legal Section05
Legal SubdivisionSURFSIDE UNIT A
Legal BlockL
Legal Lot Number1-3
Legal UnitA
JurisdictionST JOHNS FL
Minor Civil DivisionST. AUGUSTINE
Census Blockgroup2
Census Block2018
Census Tract20603

Owner

Source: St. Johns County records · APN 146890-0000

Assessment roll updated April 13, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address191 SURFSIDE AVE, SAINT AUGUSTINE, FL 32084-2236
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 05, 2021Warranty Deed, Transfer · Conventional Mortgage
RAYMOND JAMES BANK NA
Jul 08, 2020Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA
Sep 17, 2019Warranty Deed, Transfer
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 05, 2021 · Amount on Record
Deed SaleFeb 05, 2021 · Amount on Record
Prior SaleSep 17, 2019 · Amount on Record
Deed Doc Number202113327
Deed Book / Page5172 / 156
Record RefreshedSep 20, 2026

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 05, 2021
Property Address191 SURFSIDE AVE, SAINT AUGUSTINE, FL 32084-2236
Document Number0051720156
Book / Page5172 / 156
Map ReferenceMB 4 PG 32
Instrument DateFeb 04, 2021
Instrument2021013327
Transaction TypeTransfer
Record UpdatedMay 23, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$10,675.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address191 SURFSIDE AVE, SAINT AUGUSTINE, FL 32084-2236

Transferred To (Grantee/Buyer)

NameVerified Name
Address133 YELLOW BILL LN, PONTE VEDRA BEACH, FL 32082-6542

Mortgage

Document Number0005172158
DateFeb 05, 2021
Instrument5172/158
Lender
NameRAYMOND JAMES BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051
Interest
Rate TypeAdjustable Rate
Rate2.5%
Type Change DateMar 01, 2031
Change FrequencyAnnually
Min Rate At Change2.87%
Max Rate At Change4.5%
Index1-Year CMT
Max Rate7.5%

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address191 SURFSIDE AVE, SAINT AUGUSTINE, FL 32084-2236
Document Number0049901259
Instrument DateJul 08, 2020
Transaction TypeMortgage
Record UpdatedAug 14, 2020
Title CompanyTITLE365 - OMAHA

Transferred To (Grantee/Buyer)

NameVerified Name
Address191 SURFSIDE AVE ST AUGUSTINE FL 320842236, ST AUGUSTINE, FL 32084-2236

Mortgage

Document Number0049901259
DateJul 16, 2020
Book Page004990/001259
Instrument57169
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJul 15, 2050
Interest
Rate TypeAdjustable Rate

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateSep 17, 2019
Property Address191 SURFSIDE AVE, SAINT AUGUSTINE, FL 32084-2236
Document Number0047961491
Book / Page004796 / 001491
Instrument DateSep 16, 2019
Instrument68983
Transaction TypeTransfer
Record UpdatedSep 26, 2019
Title CompanyRICHARD T MOREHEAD TITLE AND ESC, RICHARD T MOREHEAD TITLE & ESC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$9,100.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address191 SURFSIDE AVE ST AUGUSTINE FL 320842236, ST AUGUSTINE, FL 32084-2236

Mortgage

Document Number47961493
DateSep 17, 2019
Book Page004796/001493
Instrument68984
Lender
NameBANK OF AMERICA
TypeBank
Address101 S TRYON ST, CHARLOTTE, NC 28280-0002
Agreement
AmountAmount Recorded
Term360 Months
DueSep 16, 2049
Interest
Rate TypeAdjustable Rate
Rate2.87%

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$1,841,259 (-2.66%) Land $1,080,000 Building $761,259$1,841,259 (-2.66%) Land $1,080,000 Building $761,259
2025$25,974.00 (+13.63%)$1,891,496 (+0.79%)$1,891,496 (+0.79%) Land $1,080,000 Building $811,496
2024$22,858.00 (+13.3%)$1,876,708 (+20.45%)$1,876,708 (+20.45%) Land $1,080,000 Building $796,708
2023$20,175.00 (+8.63%)$1,558,121 (+9.52%)$1,558,121 (+9.52%) Land $706,500 Building $851,621
2022$18,573.00$1,422,640$1,422,640 Land $666,400 Building $756,240

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone VE
coastal, wave action
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation9.0 ft
CoastalYes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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