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195 Silver Reef Ln, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 195 Silver Reef Ln, Saint Augustine, FL 32095 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,269 sqft · built 2021
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on File
Last Sale$364,500 (Mar 2021)
Tax Bill$6,017 (2025)
Deeds & MortgagesFeb 2022 Line of Credit
Mar 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN023713-4690

Property Details

APN / Parcel Number

Primary APN023713-4690

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures11 Plumbing Fixtures
Stories1 Story
Building Area2,269 sqft Living Area
Gross Area3,108 sqft
1st Floor Area2,269 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Garage TypeAttached
Garage Area619 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area220 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address195 SILVER REEF LN
CitySAINT AUGUSTINE
StateFL
Zip32095-7527
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description96/81-95 CREEKSIDE AT TWIN CREEKS PHASE 2B LOT 469 OR5223/76
Legal Range28E
Legal Township05S
Legal Section14
Legal SubdivisionCREEKSIDE AT TWIN CREEKS PHASE 2B
Legal Phase2B
Legal Block1
Legal Lot Number469
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2072
Census Tract20904

Owner

Source: St. Johns County records · APN 023713-4690

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

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

Owner of RecordIndividual Name on File
Mailing Address195 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7527
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 10, 2022Deed of Trust, Mortgage · Line of Credit
TRUIST BANK
Mar 31, 2021Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 31, 2021 · Amount on Record
Deed SaleMar 31, 2021 · Amount on Record
Deed Document Number202135168
Deed Book / Page5223 / 76
Record UpdatedJun 08, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address195 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7527
Transaction TypeMortgage
Record UpdatedMay 23, 2023
Title CompanyTITLE 365

Transferred To (Grantee/Buyer)

NameVerified Name
Address195 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7527

Mortgage

Document Number0054900369
DateFeb 10, 2022
Book Page5490/369
Instrument2022014971
Lender
NameTRUIST BANK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueFeb 09, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateMar 31, 2021
Property Address195 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7527
Document Number0052230076
Book / Page5223 / 76
Map ReferenceMB 96 PG 81
Instrument DateMar 20, 2021
Instrument2021035168
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 23, 2023
Title CompanyLENNAR TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,551.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9440 PHILIPS HWY STE 7, 7, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

NameVerified Name
Address195 SILVER REEF LN, ST AUGUSTINE, FL 32095-7527

Mortgage

Document Number0000522380
DateMar 31, 2021
Instrument5223/80
Lender
NameLENNAR MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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$353,690 (+2.7%)$439,775 (+0.7%) Land $110,000 Building $329,775
2025$6,017.00 (+8.96%) Homeowner's exemption$344,391 (+2.9%)$436,711 (-2.71%) Land $105,000 Building $331,711
2024$5,522.00 (+0.77%) Homeowner's exemption$334,685 (+3%)$448,885 (+20.42%) Land $105,000 Building $343,885
2023$5,480.00 (+2.03%) Homeowner's exemption$324,937 (+3%)$372,767 (+2.43%) Land $95,000 Building $277,767
2022$5,371.00 Homeowner's exemption$315,473$363,909 Land $84,000 Building $279,909

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 X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 100 ft

Wildfire

Wildfire RiskModerate
above 47% of the US · above 17% of Florida
Wildfire LikelihoodAbout 1 in 1,235 per year
ExposureIndirect
within ember reach

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

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