St. Johns County property record for 195 Cyphers Way, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,552 sqft · built 1989 |
| Lot Size | 3.3 acres (143,748 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Apr 2016) |
| Tax Bill | $2,813 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 101245-0060 |
| Primary APN | 101245-0060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,552 sqft Living Area |
| Gross Area | 1,792 sqft |
| 1st Floor Area | 1,032 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Logs |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 143,748 sqft (3.3 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 432 sqft |
| Deck Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 195 CYPHERS WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-8383 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OR |
| Legal Description | 8-6 PART OF NE1/4 OF SW1/4 249 X 573FT OR4175/660 |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 33 |
| Legal Lot Number | 8-6 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | HASTINGS |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 21103 |
Source: St. Johns County assessment roll, 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 | Individual Name on File |
|---|---|
| Mailing Address | 195 CYPHERS WAY, SAINT AUGUSTINE, FL 32084-8383 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 11, 2016 · Amount on Record |
| Deed Sale | Apr 11, 2016 · Amount on Record |
| Deed Document Number | 201621855 |
| Deed Book / Page | 4175 / 660 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 195 CYPHERS WAY, SAINT AUGUSTINE, FL 32084-8383 |
| Document Number | 0048801533 |
| Instrument Date | Feb 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 195 CYPHERS WAY ST AUGUSTINE FL 320848383, ST AUGUSTINE, FL 32084-8383 |
| Document Number | 0048801533 |
|---|---|
| Date | Feb 11, 2020 |
| Book Page | 004880/001533 |
| Instrument | 10571 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 10, 2050 |
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 | $228,147 (+2.7%) | $400,739 (-0.91%) Land $231,000 Building $169,739 | |
| 2025 | $2,813.00 (+13.61%) Homeowner's exemption | $222,149 (+5.99%) | $404,418 (+41.74%) Land $231,000 Building $173,418 |
| 2024 | $2,476.00 (+2.15%) | ||
| 2023 | $2,424.00 (+3.32%) Homeowner's exemption | $209,600 (+3%) | $285,330 (+9.17%) Land $110,880 Building $174,450 |
| 2022 | $2,346.00 Homeowner's exemption | $203,495 | $261,357 Land $110,880 Building $150,477 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 119 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 119 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 77 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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