195 Osprey Marsh Ln, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 195 Osprey Marsh Ln, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,634 sqft · built 2012
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$227,500 (Dec 2018)
Tax Bill	$2,851 (2025)
Deeds & Mortgages	Sep 2019 Loan Modification Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`137311-0180`

Property Details

APN / Parcel Number

Primary APN	`137311-0180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,634 sqft Living Area
Gross Area	2,284 sqft
1st Floor Area	1,634 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	286 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	195 OSPREY MARSH LN
City	SAINT AUGUSTINE
State	FL
Zip	32086-2903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	64/97-102 OSPREY LANDING LOT 18 OR4650/533
Legal Range	29E
Legal Township	08S
Legal Section	13
Legal Subdivision	OSPREY LANDING
Legal Block	1
Legal Lot Number	18
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	3
Census Block	3007
Census Tract	21208

Owner

Source: St. Johns County records, 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 Record
Mailing Address	195 OSPREY MARSH LN, SAINT AUGUSTINE, FL 32086-2903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2019	Loan Modification, Mortgage · Conventional Mortgage VYSTAR CU
Dec 5, 2018	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Apr 11, 2017	Warranty Deed, Transfer · Conventional Mortgage JRDB INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2018 · Amount on Record
Deed Sale	Dec 5, 2018 · Amount on Record
Prior Sale	Apr 11, 2017 · Amount on Record
Deed Document Number	201886963
Deed Book / Page	4650 / 533
Record Updated	Oct 29, 2026

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	195 OSPREY MARSH LN, SAINT AUGUSTINE, FL 32086-2903
Document Number	0048071790
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	Oct 16, 2019
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 OSPREY MARSH LN ST AUGUSTINE FL 320862903, ST AUGUSTINE, FL 32086-2903

Mortgage

Document Number	0048071790
Date	Oct 4, 2019
Book Page	004807/001790
Instrument	74027

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 3, 2034

Interest

Rate Type	Fixed Rate
Rate	3.12%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 5, 2018
Property Address	195 OSPREY MARSH LN, SAINT AUGUSTINE, FL 32086-2903
Document Number	0046500533
Book / Page	004650 / 000533
Instrument Date	Dec 5, 2018
Instrument	86963
Transaction Type	Transfer
Record Updated	Dec 19, 2018
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,592.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 OSPREY MARSH LN ST AUGUSTINE FL 320862903, ST AUGUSTINE, FL 32086-2903

Mortgage

Document Number	46500535
Date	Dec 5, 2018
Book Page	004650/000535
Instrument	86964

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2048

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 11, 2017
Property Address	195 OSPREY MARSH LN, SAINT AUGUSTINE, FL 32086-2903
Document Number	0043570333
Book / Page	4357 / 0333
Map Reference	MB64 PG97
Instrument Date	Mar 31, 2017
Instrument	2017024917
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	WATSON TITLE SVCS OF NORTH F

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7755 GREENWICH CT E, 7755, JACKSONVILLE, FL 32277-0923

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 OSPREY MARSH LN, SAINT AUGUSTINE, FL 32086-2903

Mortgage

Document Number	2017024918
Date	Apr 11, 2017
Instrument	2017024918

Lender

Name	JRDB INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$231,780 (+2.7%)	$272,092 (-6.45%) Land $72,800 Building $199,292
2025	$2,851.00 (+13.63%) Homeowner's exemption	$225,686 (+5.99%)	$290,864 (-6.71%) Land $72,800 Building $218,064
2024	$2,509.00 (+2.12%)
2023	$2,457.00 (+3.32%) Homeowner's exemption	$212,938 (+3%)	$311,772 (+22.03%) Land $72,800 Building $238,972
2022	$2,378.00 Homeowner's exemption	$206,736	$255,495 Land $72,800 Building $182,695

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 33 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	33 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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