St. Johns County property record for 197 Orchard Ln, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,368 sqft · built 2018 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $348,000 (May 2018) |
| Tax Bill | $7,388 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 027016-0140 |
| Primary APN | 027016-0140 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,368 sqft Living Area |
| Gross Area | 3,104 sqft |
| 1st Floor Area | 2,368 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 197 ORCHARD LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-0029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 83/34-39 BANNON LAKES PHASE 1B-2 LOT 14 OR4542/1491 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 12 |
| Legal Subdivision | BANNON LAKES PHASE 1B-2 |
| Legal Phase | 1B |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20904 |
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 | 197 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONWIDE MORTGAGE COMPANY INC |
| Dec 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONWIDE MORTGAGE COMPANY INC |
| May 7, 2018 | Grant Deed, Transfer LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 7, 2018 · Amount on Record |
| Deed Sale | May 7, 2018 · Amount on Record |
| Deed Document Number | 201830972 |
| Deed Book / Page | 4542 / 1491 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 197 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Title Company | TITLE AMERICA |
| Name | Verified Name |
|---|---|
| Address | 197 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Document Number | 0052171578 |
|---|---|
| Date | Mar 25, 2021 |
| Book Page | 5217/1578 |
| Instrument | 2021032979 |
| Name | AMERICAN NATIONWIDE MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33624 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 197 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0048451818 |
|---|---|
| Date | Dec 9, 2019 |
| Book Page | 4845/1818 |
| Instrument | 2019092183 |
| Name | AMERICAN NATIONWIDE MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33624 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 7, 2018 |
| Property Address | 197 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0029 |
| Document Number | 0045421491 |
| Book / Page | 004542 / 001491 |
| Instrument Date | Apr 30, 2018 |
| Instrument | 30972 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2019 |
| Title Company | TITLE MATTERS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,436.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 197 ORCHARD LN ST AUGUSTINE FL 320950029, ST AUGUSTINE, FL 32095-0029 |
| Document Number | 45421493 |
|---|---|
| Date | May 7, 2018 |
| Book Page | 004542/001493 |
| Instrument | 30973 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | 26642 TOWNE CENTRE DR, FOOTHILL RANCH, CA 92610-2808 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 6, 2048 |
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 | $351,006 (+2.7%) | $470,972 (-1.01%) Land $100,000 Building $370,972 | |
| 2025 | $7,388.00 (+9.84%) Homeowner's exemption | $341,778 (+5.99%) | $475,771 (-1.41%) Land $105,000 Building $370,771 |
| 2024 | $6,726.00 (+1.16%) | ||
| 2023 | $6,649.00 (+3.53%) Homeowner's exemption | $322,472 (+3%) | $482,567 (+19.07%) Land $105,000 Building $377,567 |
| 2022 | $6,422.00 Homeowner's exemption | $313,080 | $405,282 Land $84,000 Building $321,282 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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 66% of the US · above 44% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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