1. Home
  2. Florida
  3. St. Johns County
  4. Saint Augustine
  5. Spencer St

20 Spencer St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 20 Spencer St, Saint Augustine, FL 32084

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,179 sqft · built 2022
Lot Size0.16 acres (6,969 sqft)
Owner2 Individuals on Record
Last Sale$528,000 (Jul 2022)
Tax Bill$8,899 (2025)
Deeds & MortgagesJul 2022 Sale & Mortgage
Aug 2019 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN124120-0090

Property Details

APN / Parcel Number

Primary APN124120-0090

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,179 sqft Living Area
1st Floor Area1,179 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,969 sqft (0.16 acres)
Lot Dimensions125 ft deep x 55 ft wide
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address20 SPENCER ST
CitySAINT AUGUSTINE
StateFL
Zip32084-4135
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description5-36 AIKEN PARK LOT 9 BLK B OR5603/1410
Legal Range30E
Legal Township07S
Legal Section38
Legal SubdivisionAIKEN PARK REPLAT
Legal BlockB
Legal Lot Number9
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1029
Census Tract20300

Owner

Source: St. Johns County assessment roll, 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 Record2 Individuals on Record
Mailing Address6405 SW 37TH WAY, GAINESVILLE, FL 32608-5157
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 25, 2022Warranty Deed, Transfer · Conventional Mortgage
SOUTH STATE BANK NA
Aug 2, 2019Warranty Deed, Transfer
LAND TITLE/AMERICA INC
Apr 23, 2019Warranty Deed, Transfer
LAND TITLE/AMERICA INC
Feb 7, 2019Warranty Deed, Transfer
ATTORNEY ONLY
Aug 31, 2018Tax Deed, Foreclosure

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 25, 2022 · Amount on Record
Deed SaleJul 25, 2022 · Amount on Record
Prior SaleApr 23, 2019 · Amount on Record
Deed Document Number202272290
Deed Book / Page5603 / 1410
Record UpdatedJun 8, 2026

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJul 25, 2022
Property Address20 SPENCER ST, SAINT AUGUSTINE, FL 32084-4135
Document Number0056031410
Book / Page5603 / 1410
Map ReferenceMB 5 PG 36
Instrument DateJul 25, 2022
Instrument2022072290
Transaction TypeTransfer
Record UpdatedMay 23, 2023
Title CompanyLAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,696.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7925 SW 69TH TER, MIAMI, FL 33143-2603

Transferred To (Grantee/Buyer)

NameVerified Name
Address6405 SW 37TH WAY, GAINESVILLE, FL 32608-5157

Mortgage

Document Number0056031412
DateJul 25, 2022
Instrument5603/1412
Lender
NameSOUTH STATE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2052
Interest
Rate TypeAdjustable Rate
Rate4.5%
Type Change DateAug 1, 2032
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change9.5%
Index1-Year CMT
Max Rate9.5%

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateAug 2, 2019
Property Address20 SPENCER ST, SAINT AUGUSTINE, FL 32084-4135
Document Number0047711399
Book / Page004771 / 001399
Instrument DateMay 25, 2019
Instrument56655
Transaction TypeTransfer
Record UpdatedAug 13, 2019
Title CompanyLAND TITLE/AMERICA INC

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCorporate Trust
Address2493 US HIGHWAY 1 S ST AUGUSTINE FL 320866077, ST AUGUSTINE, FL 32086-6077

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateApr 23, 2019
Property Address20 SPENCER ST, SAINT AUGUSTINE, FL 32084-4135
Document Number0047120660
Book / Page004712 / 000660
Instrument DateApr 15, 2019
Instrument27272
Transaction TypeTransfer
Record UpdatedJan 10, 2020
Title CompanyLAND TITLE/AMERICA INC

Transaction

AmountAmount Recorded
Tax$472.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7925 SW 69TH TER MIAMI FL 331432603, MIAMI, FL 33143-2603

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 7, 2019
Property Address20 SPENCER ST, SAINT AUGUSTINE, FL 32084-4135
Document Number0046771039
Book / Page004677 / 001039
Instrument DateFeb 4, 2019
Instrument8653
Transaction TypeTransfer
Record UpdatedFeb 18, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5700 CAPO ISLAND RD ST AUGUSTINE FL 320958022, ST AUGUSTINE, FL 32095-8022

August 2018: Tax Deed, Foreclosure

Document TypeTax Deed
JurisdictionST JOHNS FL
Recording DateAug 31, 2018
Property Address20 SPENCER ST, SAINT AUGUSTINE, FL 32084-4135
Document Number0046051407
Book / Page004605 / 001407
Instrument DateAug 30, 2018
Instrument63521
Transaction TypeForeclosure
Record UpdatedSep 17, 2018

Transaction

AmountAmount Recorded
Tax$192.50
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCorporate Trust
Address2493 US HIGHWAY 1 S ST AUGUSTINE FL 320866077, ST AUGUSTINE, FL 32086-6077

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
MunicipalitySt. Augustine City
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$468,570 (+4.03%) Land $103,125 Building $365,445$468,570 (+4.03%) Land $103,125 Building $365,445
2025$8,899.00 (+7.97%)$450,430 (+3.45%)$450,430 (+3.45%) Land $103,125 Building $347,305
2024$8,242.00 (-0.79%)$435,407 (-)$435,407 (-) Land $103,125 Building $332,282
2023$8,308.00 (+619.93%)$435,407 (+606.83%)$435,407 (+606.83%) Land $103,125 Building $332,282
2022$1,154.00$61,600$61,600 Land $61,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 74 policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies74 in force
Nearby Flood Claims42 (1985–2025)
Claims Outside the SFHA5 of 42
Most Recent ClaimOct 2025 · rainfall accumulation
Claims by Event
  • Hurricane Ian, Oct 2022 · 4 claims
  • Hurricane Irma, Sep 2017 · 6 claims
  • Hurricane Matthew, Oct 2016 · 9 claims

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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemST. AUGUSTINE WS
serves 43,069 people · EPA ID FL2550210
Water SourceGroundwater
Last State InspectionSep 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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 210 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

Nearby Properties on Spencer St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures