197 Split Oak Rd, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 197 Split Oak Rd, Saint Augustine, FL 32092 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2016
Square Footage	2,354 sqft Living Area
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Last Sale	$319,990 (2016)
Tax Bill	$6,512.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`029011-0330`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Building Area	2,354 sqft Living Area
Gross Area	2,934 sqft Gross Area
1st Floor	2,354 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stucco Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	8,712 sqft (0.2 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	580 sqft Garage
Patio Area	60 sqft Patio
Porch Area	174 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	197 SPLIT OAK RD
City	SAINT AUGUSTINE
State	FL
Zip	32092-5446
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	73/4-27 WHISPER CREEK PHASE 1 UNITS A AND B LOT 33 OR4300/1271
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	WHISPER CREEK PHASE 1 UNITS A AND B
Legal Phase	1
Legal Block	1
Legal Lot Number	33
Legal Unit	A
Jurisdiction	ST JOHNS FL
Minor Civil Division	ST. AUGUSTINE
Census Blockgroup	4
Census Block	4021
Census Tract	20905

Owner

Source: St. Johns County records · APN 029011-0330

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 Record	Individual Name on File
Mailing Address	197 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5446
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 13, 2016 · Amount on Record
Deed Sale	Dec 13, 2016 · Amount on Record
Prior Sale	Feb 09, 2016 · Amount on Record
Deed Doc Number	201681531
Deed Book / Page	4300 / 1271
Record Refreshed	Jun 08, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	197 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5446
Document Number	0048190766
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 05, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	197 SPLIT OAK RD ST AUGUSTINE FL 320925446, ST AUGUSTINE, FL 32092-5446

Mortgage

Document Number	0048190766
Date	Oct 25, 2019
Book Page	004819/000766
Instrument	79650

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$307,075 (+2.7%)	$435,518 (+5.08%) Land $100,000 Building $335,518
2025	$6,512.00 (+7.11%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$299,002 (+5.99%)	$414,460 (+9.52%) Land $100,000 Building $314,460
2024	$6,080.00 (+1.35%)
2023	$5,999.00 (+1.66%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$282,112 (+3%)	$378,448 (+5.26%) Land $84,000 Building $294,448
2022	$5,901.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$273,895	$359,522 Land $84,000 Building $275,522

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 12% of Florida
Wildfire Likelihood	About 1 in 1,639 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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