St. Johns County property record for 2044 Rivers Own Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,206 sqft · built 2005 |
| Lot Size | 0.31 acres (13,503 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $510,000 (Feb 2024) |
| Tax Bill | $2,713 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Oct 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288103-3310 |
| Primary APN | 288103-3310 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,206 sqft Living Area |
| Gross Area | 2,834 sqft |
| 1st Floor Area | 2,206 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 13,503 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 628 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 449 sqft |
| Patio Area | 554 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2044 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 331 OR5903/1963 |
| 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 | 331 |
| 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 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2044 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Feb 23, 2024 | Warranty Deed, Transfer · VA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Oct 13, 2020 | Warranty Deed, Transfer LANDMARK TITLE |
| Mar 2, 2018 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK/TALLAHASSEE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 23, 2024 · Amount on Record |
| Deed Sale | Feb 23, 2024 · Amount on Record |
| Prior Sale | Oct 13, 2020 · Amount on Record |
| Deed Document Number | 202413315 |
| Deed Book / Page | 5903 / 1963 |
| Prior Transfer Date | Oct 5, 2020 |
| Prior Transfer Doc | 0050691881 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 23, 2024 |
| Property Address | 2044 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Document Number | 0059031963 |
| Book / Page | 5903 / 1963 |
| Map Reference | MB 47 PG 84-94 |
| Instrument Date | Feb 20, 2024 |
| Instrument | 2024013315 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2024 |
| Title Company | GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,570.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4405 N ALATAMAHA ST, SAINT AUGUSTINE, FL 32092-3684 |
| Name | Verified Name |
|---|---|
| Address | 2044 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Document Number | 0059031965 |
|---|---|
| Date | Feb 23, 2024 |
| Instrument | 5903/1965 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 13, 2020 |
| Property Address | 2044 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Document Number | 0050691881 |
| Book / Page | 005069 / 001881 |
| Instrument Date | Oct 5, 2020 |
| Instrument | 90488 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2020 |
| Title Company | LANDMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,364.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 9716 BRENTSVILLE RD MANASSAS VA 201124518, MANASSAS, VA 20112-4518 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2044 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Document Number | 0045170687 |
| Instrument Date | Mar 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2044 RIVERS OWN RD ST AUGUSTINE FL 320922430, ST AUGUSTINE, FL 32092-2430 |
| Document Number | 0045170687 |
|---|---|
| Date | Mar 16, 2018 |
| Book Page | 004517/000687 |
| Instrument | 17687 |
| Name | SUNTRUST BK/TALLAHASSEE |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 15, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | $391,263 (-4.12%) Land $115,000 Building $276,263 | $391,263 (-4.12%) Land $115,000 Building $276,263 | |
| 2025 | $2,713.00 (-65.57%) Disabled Person's exemption Veteran's exemption | $408,086 (-4.27%) | $408,086 (-4.27%) Land $130,000 Building $278,086 |
| 2024 | $7,880.00 (+45.28%) | $426,288 (+57.74%) | $426,288 (-2.06%) Land $135,000 Building $291,288 |
| 2023 | $5,424.00 (+2.84%) Homeowner's exemption | $270,240 (+3%) | $435,261 (+37.64%) Land $137,000 Building $298,261 |
| 2022 | $5,274.00 Homeowner's exemption | $262,369 | $316,220 Land $103,040 Building $213,180 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 USA Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures