2005 Rivers Own Rd, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 2005 Rivers Own Rd, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,463 sqft · built 2005
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (Jul 2025)
Tax Bill	$5,710 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`288103-3170`

Property Details

APN / Parcel Number

Primary APN	`288103-3170`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,463 sqft Living Area
Gross Area	3,495 sqft
1st Floor Area	2,463 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	714 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	639 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2005 RIVERS OWN RD
City	ST AUGUSTINE
State	FL
Zip	32092-2430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	47/84-94 ST JOHNS SIX MILE CREEK WEST UNIT 1 LOT 317 OR6181/1405
Legal Range	27E
Legal Township	06S
Legal Section	24
Legal Subdivision	SAINT JOHNS SIX MILE CREEK WEST UNIT 1
Legal Block	1
Legal Lot Number	317
Legal Unit	1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1009
Census Tract	20905

Owner

Source: St. Johns County records · APN 288103-3170

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	2005 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 09, 2025 · Amount on Record
Deed Sale	Jul 09, 2025 · Amount on Record
Prior Sale	Aug 11, 2017 · Amount on Record
Deed Document Number	202554339
Deed Book / Page	6181 / 1405
Record Updated	Jun 08, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 11, 2017
Property Address	2005 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430
Document Number	0044200096
Book / Page	004420 / 000096
Instrument Date	Jul 31, 2017
Instrument	55803
Transaction Type	Transfer
Record Updated	Sep 19, 2017
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2005 RIVERS OWN RD ST AUGUSTINE FL 320922430, ST AUGUSTINE, FL 32092-2430

Mortgage

Document Number	44200098
Date	Aug 11, 2017
Book Page	004420/000098
Instrument	55804

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2047

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$417,054 (+59.62%) Land $115,000 Building $302,054	$417,054 (-3.27%) Land $115,000 Building $302,054
2025	$5,710.00 (+9.03%) Homeowner's exemption	$261,275 (+2.44%)	$431,145 (-4.45%) Land $130,000 Building $301,145
2024	$5,237.00 (+1.97%) Homeowner's exemption	$255,042 (+3%)	$451,239 (-5.29%) Land $135,000 Building $316,239
2023	$5,136.00 (+2.86%) Homeowner's exemption	$247,614 (+3%)	$476,425 (+35.97%) Land $137,000 Building $339,425
2022	$4,993.00 Homeowner's exemption	$240,402	$350,395 Land $103,040 Building $247,355

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209051, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 84 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 in force 76 of 84 on primary residences

Wildfire

Wildfire Risk	Low above 32% of the US · above 8% of Florida
Wildfire Likelihood	About 1 in 3,448 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.