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  2. Florida
  3. St. Johns County
  4. Saint Augustine
  5. Silver Reef Ln

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

St. Johns County property record for 196 Silver Reef Ln, Saint Augustine, FL 32095 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,647 sqft · built 2020
Lot Size0.19 acres (8,276 sqft)
OwnerIndividual Name on File
Last Sale$406,000 (Oct 2020)
Tax Bill$8,691 (2025)
Deeds & MortgagesMay 2022 Transfer
Nov 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN023713-3520

Property Details

APN / Parcel Number

Primary APN023713-3520

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures14 Plumbing Fixtures
Stories1 Story
Building Area2,647 sqft Living Area
Gross Area3,287 sqft
1st Floor Area2,647 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.19 acres)
Garage TypeAttached
Garage Area640 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area198 sqft
Patio Area658 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address196 SILVER REEF LN
CitySAINT AUGUSTINE
StateFL
Zip32095-7526
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description96/81-95 CREEKSIDE AT TWIN CREEKS PHASE 2B LOT 352 OR5059/1495 & 5363/905(D/M) &5409/1532(Q/C) & 5557/44(Q/C)
Legal Range28E
Legal Township05S
Legal Section14
Legal SubdivisionCREEKSIDE AT TWIN CREEKS PHASE 2B
Legal Phase2B
Legal Block1
Legal Lot Number352
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2043
Census Tract20904

Owner

Source: St. Johns County records · APN 023713-3520

Assessment roll updated April 13, 2026 · Last verified August 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 Address196 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 12, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Nov 02, 2021Intrafamily Transfer, Transfer · Conventional Mortgage
WELLS FARGO BANK NA
Oct 02, 2020Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 02, 2020 · Amount on Record
Deed SaleOct 02, 2020 · Amount on Record
Deed Document Number202086077
Deed Book / Page5059 / 1495
Last Transfer DateMay 09, 2022
Transfer Doc0055570044
Record UpdatedSep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST JOHNS FL
Recording DateMay 12, 2022
Property Address196 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526
Document Number0055570044
Book / Page5557 / 44
Map ReferenceMB 96 PG 81
Instrument DateMay 09, 2022
Instrument2022048388
Transaction TypeTransfer
Record UpdatedMay 25, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address196 SILVER REEF LN, 196, ST AUGUSTINE, FL 32095-7526

Transferred To (Grantee/Buyer)

NameVerified Name
Address196 SILVER REEF LN, ST AUGUSTINE, FL 32095-7526

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST JOHNS FL
Recording DateNov 02, 2021
Property Address196 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526
Document Number0054091532
Book / Page5409 / 1532
Map ReferenceMB 96 PG 81
Instrument DateSep 13, 2021
Instrument2021119178
Transaction TypeTransfer
Record UpdatedNov 15, 2021
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1234 16TH ST N, 1234, JACKSONVILLE BEACH, FL 32250-2876

Transferred To (Grantee/Buyer)

NameVerified Name
Address196 SILVER REEF LN, ST AUGUSTINE, FL 32095-7526

Mortgage

Document Number54091534
DateNov 02, 2021
Instrument5409/1534
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2051
Interest
Rate TypeAdjustable Rate
Rate2.25%
Type Change DateNov 01, 2026
Change FrequencyMonthly
Min Rate At Change2.75%
Max Rate At Change7.25%
IndexOther
Max Rate7.25%

October 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateOct 02, 2020
Property Address196 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526
Document Number0050591495
Book / Page5059 / 1495
Map ReferenceMB 96 PG 81
Instrument DateSep 23, 2020
Instrument2020086077
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 31, 2021
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,842.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

NameVerified Name
Address196 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7526

Mortgage

Document Number50591499
DateOct 02, 2020
Instrument5059/1499
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2050

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified August 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$493,628 (-2.35%) Land $110,000 Building $383,628$493,628 (-2.35%) Land $110,000 Building $383,628
2025$8,691.00 (+10.15%)$505,488 (+20.94%)$505,488 (+20.94%) Land $105,000 Building $400,488
2024$7,890.00 (+12.07%)
2023$7,040.00 (+4.25%)$417,977 (+2.01%)$417,977 (+2.01%) Land $95,000 Building $322,977
2022$6,753.00$409,754$409,754 Land $84,000 Building $325,754

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 500 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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