St. Johns County property record for 2009 Rivers Own Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,174 sqft · built 2005 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $625,000 (Oct 2023) |
| Tax Bill | $9,028 (2025) |
| Deeds & Mortgages | Oct 2023 Sale Aug 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288103-3180 |
| Primary APN | 288103-3180 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,174 sqft Living Area |
| Gross Area | 4,158 sqft |
| 1st Floor Area | 3,174 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 724 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 290 sqft |
| Patio Area | 456 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2009 RIVERS OWN RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-2430 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 47/84-94 ST JOHNS SIX MILE CREEK WEST UNIT 1 LOT 318 OR5840/1344 & 6203/442(L/E) |
| 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 | 318 |
| Legal Unit | 1 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 20905 |
Source: St. Johns County records, as of June 17, 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 Record |
|---|---|
| Mailing Address | 2009 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Oct 12, 2023 | Warranty Deed, Transfer DOMINION TITLE CORPORATION, DOMINION TTL CORP JACKSONVIL |
| Aug 4, 2023 | Deed of Trust, Mortgage · Commercial Mortgage PLAINS COMMERCE BANK |
| Jan 11, 2023 | Warranty Deed, Transfer COWFORD TITLE LLC |
| Sep 14, 2022 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Sep 20, 2018 | Deed of Trust, Mortgage · VA Mortgage JRDB INC |
| Sep 30, 2020 | Deed of Trust, Mortgage · VA Mortgage BAYWAY MORTGAGE GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2023 · Amount on Record |
| Deed Sale | Oct 12, 2023 · Amount on Record |
| Prior Sale | Jan 11, 2023 · Amount on Record |
| Deed Document Number | 202380835 |
| Deed Book / Page | 5840 / 1344 |
| Last Transfer Date | Jul 29, 2025 |
| Transfer Doc | 0062030442 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 12, 2023 |
| Property Address | 2009 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Document Number | 0058401344 |
| Book / Page | 5840 / 1344 |
| Map Reference | MB 47 PG 84-94 |
| Instrument Date | Oct 10, 2023 |
| Instrument | 2023080835 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2023 |
| Title Company | DOMINION TITLE CORPORATION, DOMINION TTL CORP JACKSONVIL |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,375.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2781 OAKGROVE AVE, SAINT AUGUSTINE, FL 32092-3611 |
| Name | Verified Name |
|---|---|
| Address | 2009 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2009 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0058040578 |
|---|---|
| Date | Aug 4, 2023 |
| Book Page | 5804/578 |
| Instrument | 2023061221 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Jul 28, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 11, 2023 |
| Property Address | 2009 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Document Number | 0056930397 |
| Book / Page | 5693 / 397 |
| Map Reference | MB 47 PG 84-94 |
| Instrument Date | Dec 30, 2022 |
| Instrument | 2023002568 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2023 |
| Title Company | COWFORD TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,305.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8292 KINDRED SPIRIT LN, SAINT AUGUSTINE, FL 32092-2200 |
| Name | Verified Name |
|---|---|
| Address | 2009 RIVERS OWN RD, ST AUGUSTINE, FL 32092-2430 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2009 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2009 RIVERS OWN RD, ST AUGUSTINE, FL 32092-2430 |
| Document Number | 0056331851 |
|---|---|
| Date | Sep 14, 2022 |
| Book Page | 5633/1851 |
| Instrument | 2022088009 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2009 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0046141409 |
|---|---|
| Date | Sep 20, 2018 |
| Book Page | 4614/1409 |
| Instrument | 2018068193 |
| Name | JRDB INC |
|---|---|
| Type | Non-Lending Institution |
| Address | JACKSONVILLE, FL 32256 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2009 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2009 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Document Number | 0050560992 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 5056/992 |
| Instrument | 2020084685 |
| Name | BAYWAY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Address | JACKSONVILLE, FL 32216 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $465,954 (-8.2%) Land $115,000 Building $350,954 | $465,954 (-8.2%) Land $115,000 Building $350,954 | |
| 2025 | $9,028.00 (+3.88%) Homeowner's exemption | $507,568 (-4.32%) | $507,568 (-4.32%) Land $130,000 Building $377,568 |
| 2024 | $8,691.00 (+0.39%) Homeowner's exemption | $530,465 (+1.05%) | $530,465 (+1.05%) Land $135,000 Building $395,465 |
| 2023 | $8,657.00 (+73.63%) Homeowner's exemption | $524,939 (+118.83%) | $524,939 (+37.97%) Land $137,000 Building $387,939 |
| 2022 | $4,986.00 Homeowner's exemption | $239,888 | $380,485 Land $103,040 Building $277,445 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 84 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 84 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 256 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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