196 Sawmill Forest Ct, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 196 Sawmill Forest Ct, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,653 sqft · built 2020
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$494,900 (May 2026)
Tax Bill	$3,791 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`101630-0540`

Property Details

APN / Parcel Number

Primary APN	`101630-0540`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,653 sqft Living Area
Gross Area	2,215 sqft
1st Floor Area	1,653 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	196 SAWMILL FOREST CT
City	SAINT AUGUSTINE
State	FL
Zip	32086-0394
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	90/78-84 SAWMILL LANDING PUD LOT 54 OR5003/1363 & 5207/691
Legal Range	29E
Legal Township	07S
Legal Section	35
Legal Subdivision	SAWMILL LANDING PUD
Legal Lot Number	54
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	21301

Owner

Source: St. Johns County records, as of May 14, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	196 SAWMILL FOREST CT, SAINT AUGUSTINE, FL 32086-0394
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Warranty Deed, Transfer · VA Mortgage REGIONS BANK
May 5, 2026	Warranty Deed, Transfer · VA Mortgage REGIONS BANK
Mar 15, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Jul 31, 2020	Grant Deed, Transfer KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2026 · Amount on Record
Deed Sale	May 5, 2026 · Amount on Record
Prior Sale	Jul 31, 2020 · Amount on Record
Deed Document Number	202638160
Deed Book / Page	6356 / 1791
Prior Transfer Date	Mar 15, 2021
Prior Transfer Doc	0052070691
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 5, 2026
Property Address	196 SAWMILL FOREST CT, SAINT AUGUSTINE, FL 32086-0394
Document Number	0000038160
Book / Page	6356 / 1791
Instrument Date	Apr 21, 2026
Instrument	2026.38160
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	CLOSING TITLE, CLOSING TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$349,894.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 SAWMILL FOREST CT, SAINT AUGUSTINE, FL 32086-0394
Investor	Possibly a Property Investor

Mortgage

Document Number	0000038161,
Date	May 5, 2026
Instrument	2026..38161

Lender

Name	REGIONS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 5, 2026
Property Address	196 SAWMILL FOREST CT, SAINT AUGUSTINE, FL 32086-0394
Document Number	0063561791
Book / Page	6356 / 1791
Instrument Date	Apr 21, 2026
Instrument	202638160
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	CLOSING TITLE, CLOSING TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$349,894.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 SAWMILL FOREST CT, SAINT AUGUSTINE, FL 32086-0394
Investor	Possibly a Property Investor

Mortgage

Document Number	0000038161,
Date	May 5, 2026
Instrument	202638161

Lender

Name	REGIONS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Mar 15, 2021
Property Address	196 SAWMILL FOREST CT, SAINT AUGUSTINE, FL 32086-0394
Document Number	0052070691
Book / Page	5207 / 691
Map Reference	MB 90 PG 78-84
Instrument Date	Mar 15, 2021
Instrument	2021028512
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	196 SAWMILL FOREST CT, ST AUGUSTINE, FL 32086-0394

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 31, 2020
Property Address	196 SAWMILL FOREST CT, SAINT AUGUSTINE, FL 32086-0394
Document Number	0050031363
Book / Page	005003 / 001363
Instrument Date	Jul 23, 2020
Instrument	62429
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,805.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	196 SAWMILL FOREST CT ST AUGUSTINE FL 320860394, ST AUGUSTINE, FL 32086-0394

Mortgage

Document Number	50031365
Date	Jul 31, 2020
Book Page	005003/001365
Instrument	62430

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75039

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2050

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		$302,374 (+2.7%)	$359,453 (-3.87%) Land $76,000 Building $283,453
2025	$3,791.00 (+12.79%) Homeowner's exemption	$294,425 (+5.99%)	$373,939 (-5.74%) Land $76,000 Building $297,939
2024	$3,361.00 (+2.03%)
2023	$3,294.00 (+32.18%) Homeowner's exemption	$277,793 (+29.29%)	$396,731 (+41.77%) Land $76,000 Building $320,731
2022	$2,492.00 Homeowner's exemption	$214,862	$279,845 Land $72,800 Building $207,045

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 46 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	46 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 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

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