St. Johns County property record for 195 Bella Dr, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,992 sqft · built 2018 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $515,400 (Aug 2025) |
| Tax Bill | $3,781 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Jun 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 181884-0960 |
| Primary APN | 181884-0960 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,992 sqft Living Area |
| Gross Area | 2,604 sqft |
| 1st Floor Area | 1,992 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,662 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 452 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 160 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 195 BELLA DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-0138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 85/61-69 VILLAGES OF VALENCIA PHASE 3 LOT 96 OR6210/1046 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 17 |
| Legal Subdivision | VILLAGES OF VALENCIA PHASE 3 |
| Legal Phase | 3 |
| Legal Block | 1 |
| Legal Lot Number | 96 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 21210 |
195 Bella Dr is owned and occupied by two individuals who bought it in August 2025.
Source: St. Johns County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 195 BELLA DR, SAINT AUGUSTINE, FL 32086-0138 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 6, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK |
| Jun 8, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING |
| Aug 27, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 9, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2025 · Amount on File |
| Deed Sale | Aug 27, 2025 · Amount on File |
| Prior Sale | Jul 9, 2018 · Amount on File |
| Deed Document Number | 202569920 |
| Deed Book / Page | 6210 / 1046 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 6, 2026 |
| Property Address | 195 BELLA DR, SAINT AUGUSTINE, FL 32086-0138 |
| Document Number | 0000084707 |
| Book / Page | 6448 / 1315 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 202684707 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 195 BELLA DR, SAINT AUGUSTINE, FL 32086-0138 |
| Document Number | 0000084707, |
|---|---|
| Date | Oct 6, 2026 |
| Book Page | 6448/1315 |
| Instrument | 202684707 |
| Name | PNC BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 1, 2066 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 195 BELLA DR, SAINT AUGUSTINE, FL 32086-0138 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 195 BELLA DR, ST AUGUSTINE, FL 32086-0138 |
| Document Number | 0057720115 |
|---|---|
| Date | Jun 8, 2023 |
| Book Page | 5772/115 |
| Instrument | 2023044393 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 27, 2025 |
| Property Address | 195 BELLA DR, SAINT AUGUSTINE, FL 32086-0138 |
| Document Number | 0062101046 |
| Book / Page | 6210 / 1046 |
| Map Reference | MB 85 PG 61-69 |
| Instrument Date | Aug 27, 2025 |
| Instrument | 2025069920 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,607.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 130 SHIPYARD WAY, ST AUGUSTINE, FL 32084-4234 |
| Name | Verified Name |
|---|---|
| Address | 195 BELLA DR, ST AUGUSTINE, FL 32086-0138 |
| Document Number | 0062101048 |
|---|---|
| Date | Aug 27, 2025 |
| Instrument | 6210/1048 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 9, 2018 |
| Property Address | 195 BELLA DR, SAINT AUGUSTINE, FL 32086-0138 |
| Document Number | 0045770004 |
| Book / Page | 4577 / 0004 |
| Map Reference | MB85 PG61-69 |
| Instrument Date | Jul 6, 2018 |
| Instrument | 2018048546 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | SEA GLASS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1629 RACE TRACK RD # RD102, 1629, SAINT JOHNS, FL 32259-6298 |
| Name | Verified Name |
|---|---|
| Address | 195 BELLA DR, SAINT AUGUSTINE, FL 32086-0138 |
| Document Number | 2018048547 |
|---|---|
| Date | Jul 9, 2018 |
| Instrument | 2018048547 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 195 Bella Dr was $3,781, up 13% from the year before.
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 | $372,907 (+22.39%) Land $90,000 Building $282,907 | $372,907 (-8.76%) Land $90,000 Building $282,907 | |
| 2025 | $3,781.00 (+12.97%) Homeowner's exemption Disabled Person's exemption | $304,696 (+2.9%) | $408,710 (+2.49%) Land $90,000 Building $318,710 |
| 2024 | $3,347.00 (+2.17%) Homeowner's exemption Disabled Person's exemption | $296,109 (+3%) | $398,761 (-7.91%) Land $90,000 Building $308,761 |
| 2023 | $3,276.00 (-0.49%) Homeowner's exemption Disabled Person's exemption | $287,484 (+3%) | $433,010 (+5.98%) Land $90,000 Building $343,010 |
| 2022 | $3,292.00 Homeowner's exemption Disabled Person's exemption | $279,111 | $408,567 Land $72,800 Building $335,767 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 Bella Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 102 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 102 in force |
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.
Wildfire risk around 195 Bella Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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.
Source: FCC Broadband Data Collection, based on 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures