20 Ember St, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 20 Ember St, Saint Augustine, FL 32092 · Last verified June 2026

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,795 sqft · built 2023
Lot Size	0.11 acres (4,791 sqft)
Owner	2 Individual Names on File
Last Sale	$377,990 (Jul 2023)
Tax Bill	$4,210 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026573-3560`

Property Details

APN / Parcel Number

Primary APN	`026573-3560`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,795 sqft Living Area
Gross Area	2,328 sqft
1st Floor Area	840 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,791 sqft (0.11 acres)
Garage Type	Attached
Garage Area	413 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	27 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20 EMBER ST
City	SAINT AUGUSTINE
State	FL
Zip	32092-3332
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	111/8-13 WATERFORD LAKES PHASE 2 LOT 356 OR5798/260
Legal Subdivision	WATERFORD LAKES PHASE 2
Legal Block	1
Legal Lot Number	356
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4008
Census Tract	20908

Owner

Source: St. Johns County records · APN 026573-3560

Assessment roll updated April 13, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	20 EMBER ST, SAINT AUGUSTINE, FL 32092-3332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 25, 2023 · Amount on Record
Deed Sale	Jul 25, 2023 · Amount on Record
Deed Document Number	202358206
Deed Book / Page	5798 / 260
Record Updated	Sep 20, 2026

July 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 25, 2023
Property Address	20 EMBER ST, SAINT AUGUSTINE, FL 32092-3332
Document Number	0057980260
Book / Page	5798 / 260
Map Reference	MB 111 PG 8-13
Instrument Date	Jul 24, 2023
Instrument	2023058206
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 12, 2024
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,646.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, RD100, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 EMBER ST, SAINT AUGUSTINE, FL 32092-3332

Mortgage

Document Number	0005798261
Date	Jul 25, 2023
Instrument	5798/261

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$293,752 (-10.05%) Land $60,000 Building $233,752	$293,752 (-10.12%) Land $60,000 Building $233,752
2025	$4,210.00 (+13.69%) Homeowner's exemption	$326,577 (+3.84%)	$326,825 (+3.92%) Land $60,000 Building $266,825
2024	$3,703.00 (+247.37%) Homeowner's exemption	$314,505 (+391.41%)	$314,505 (+391.41%) Land $64,000 Building $250,505
2023	$1,066.00 (+395.81%)	$64,000 (+280.95%)	$64,000 (+280.95%) Land $64,000
2022	$215.00	$16,800	$16,800 Land $16,800

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 A, within 500 ft

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 36% of Florida
Wildfire Likelihood	About 1 in 552 per year
Exposure	Direct burnable vegetation at the parcel

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