197 Spanish Marsh Dr, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 197 Spanish Marsh Dr, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 4,159 sqft · built 2016
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$611,000 (Feb 2021)
Tax Bill	$17,858 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Feb 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`072082-0380`

Property Details

APN / Parcel Number

Primary APN	`072082-0380`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	22 Plumbing Fixtures
Stories	2 Stories
Building Area	4,159 sqft Living Area
Gross Area	4,888 sqft
1st Floor Area	2,006 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	729 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	197 SPANISH MARSH DR
City	ST AUGUSTINE
State	FL
Zip	32095-7403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	54/12-14 COURTYARD VILLAS OF MONTEREY PHASE 2 LOT 38 OR5178/1041
Legal Range	29E
Legal Township	05S
Legal Section	53
Legal Subdivision	COURTYARD VILLAS OF MONTEREY PHASE TWO
Legal Phase	2
Legal Block	4
Legal Lot Number	38
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4013
Census Tract	20606

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	60 OLD STAMFORD RD, NEW CANAAN, CT 06840-6245
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2018	Deed of Trust, Mortgage · ARM FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 12, 2021	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK
Mar 12, 2018	Deed of Trust, Mortgage · Line of Credit IBERIABANK FSB
Feb 20, 2018	Quit Claim Deed, Transfer WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS
Jan 8, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2021 · Amount on Record
Deed Sale	Feb 12, 2021 · Amount on Record
Prior Sale	Feb 20, 2018 · Amount on Record
Deed Document Number	202116165
Deed Book / Page	5178 / 1041
Prior Transfer Date	Feb 16, 2018
Prior Transfer Doc	0045050713
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	197 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045180693
Date	Mar 20, 2018
Book Page	4518/0693
Instrument	2018018238

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Apr 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	9.25%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 12, 2021
Property Address	197 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403
Document Number	0051781041
Book / Page	5178 / 1041
Map Reference	MB 54 PG 12
Instrument Date	Jan 27, 2021
Instrument	2021016165
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,277.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	307 STOKES CREEK DR, 307, SAINT AUGUSTINE, FL 32095-6810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 WEAVER ST APT 8D, 8D, GREENWICH, CT 06831-4244

Mortgage

Document Number	0051781045
Date	Feb 12, 2021
Book Page	5178/1045
Instrument	2021016168

Lender

Name	CENTRAL BANK
Type	Bank
Address	TAMPA, FL 33647

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	197 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403
Document Number	0045210859
Instrument Date	Mar 12, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 SPANISH MARSH DR ST AUGUSTINE FL 320957403, ST AUGUSTINE, FL 32095-7403

Mortgage

Document Number	0045210859
Date	Mar 27, 2018
Book Page	004521/000859
Instrument	19980

Lender

Name	IBERIABANK FSB
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2048

Interest

Rate Type	Adjustable Rate

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 20, 2018
Property Address	197 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403
Document Number	0045050713
Book / Page	004505 / 000713
Instrument Date	Feb 16, 2018
Instrument	11210
Transaction Type	Transfer
Record Updated	Mar 14, 2018
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 SPANISH MARSH DR ST AUGUSTINE FL 320957403, ST AUGUSTINE, FL 32095-7403

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 8, 2018
Property Address	197 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7403
Document Number	0044871695
Book / Page	004487 / 001695
Instrument Date	Jan 5, 2018
Instrument	1432
Transaction Type	Transfer
Record Updated	Jan 16, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 SPANISH MARSH DR ST AUGUSTINE FL 320957403, ST AUGUSTINE, FL 32095-7403

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		$948,812 (-2.41%) Land $235,000 Building $713,812	$948,812 (-2.41%) Land $235,000 Building $713,812
2025	$17,858.00 (+5.25%)	$972,249 (-4.84%)	$972,249 (-4.84%) Land $235,000 Building $737,249
2024	$16,967.00 (+6.46%)	$1,021,693 (+8.19%)	$1,021,693 (+8.19%) Land $160,000 Building $861,693
2023	$15,937.00 (+9.04%)	$944,391 (+18.73%)	$944,391 (+18.73%) Land $130,000 Building $814,391
2022	$14,616.00	$795,391	$795,391 Land $100,800 Building $694,591

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
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 249 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	249 in force
Nearby Flood Claims	3 (2016–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2022 · Hurricane Nicole

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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 219 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
T-Mobile Fixed Wireless	100 / 20

197 Spanish Marsh Dr, Saint Augustine, FL 32095 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Spanish Marsh Dr

Nearby Streets

Search Property Records by Address or Parcel Number