198 Prairie Ridge Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 198 Prairie Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,326 sqft · built 2014
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on File
Last Sale	$72,000 (Oct 2016)
Tax Bill	$4,694 (2025)
Deeds & Mortgages	Aug 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027501-5330`

Property Details

APN / Parcel Number

Primary APN	`027501-5330`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	3,326 sqft Living Area
Gross Area	3,955 sqft
1st Floor Area	1,828 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	463 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	215 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	198 PRAIRIE RIDGE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-1852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	64/68-77 SAMARA LAKES PARCEL C PHASE 2 LOT 533 OR3910/865 &4269/1611
Legal Range	28E
Legal Township	06S
Legal Section	37
Legal Subdivision	SAMARA LAKES PARCEL C PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	533
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1007
Census Tract	20906

Owner

198 Prairie Ridge Dr is owned and occupied by two individuals who bought it in October 2016.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	198 PRAIRIE RIDGE DR, SAINT AUGUSTINE, FL 32092-1852
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2016 · Amount on File
Deed Sale	Oct 13, 2016 · Amount on File
Prior Sale	Jul 30, 2014 · Amount on File
Deed Document Number	201666705
Deed Book / Page	4269 / 1611
Prior Transfer Date	Aug 30, 2016
Prior Transfer Doc	0042691611
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	198 PRAIRIE RIDGE DR, SAINT AUGUSTINE, FL 32092-1852
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 PRAIRIE RIDGE DR, SAINT AUGUSTINE, FL 32092-1852

Mortgage

Document Number	0053471680
Date	Aug 19, 2021
Book Page	5347/1680
Instrument	2021091867

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 198 Prairie Ridge Dr was $4,694 with a homeowner's exemption, up 12.4% from the year before.

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		$372,289 (+2.7%)	$462,117 (-11.02%) Land $80,000 Building $382,117
2025	$4,694.00 (+12.38%) Homeowner's exemption	$362,501 (+2.9%)	$519,336 (-17.03%) Land $80,000 Building $439,336
2024	$4,177.00 (+22.56%) Homeowner's exemption	$352,285 (+22.37%)	$625,916 (+10.05%) Land $95,000 Building $530,916
2023	$3,408.00 (+2.96%) Homeowner's exemption	$287,896 (+3%)	$568,767 (+26.26%) Land $105,000 Building $463,767
2022	$3,310.00 Homeowner's exemption	$279,511	$450,485 Land $84,000 Building $366,485

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

Flood

FEMA maps place 198 Prairie Ridge Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 62 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 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

Wildfire risk around 198 Prairie Ridge Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 406 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20