St. Johns County property record for 2045 Rivers Own Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,928 sqft · built 2006 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $525,000 (Oct 2025) |
| Tax Bill | $8,849 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 288103-3270 |
| Primary APN | 288103-3270 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,928 sqft Living Area |
| Gross Area | 3,539 sqft |
| 1st Floor Area | 2,478 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 611 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 335 sqft |
| Patio Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2045 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 327 OR6242/1191 |
| 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 | 327 |
| 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 | 3631 MOUNT TABOR RD, BLACKSBURG, VA 24060-0421 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 27, 2026 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Oct 21, 2025 | Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2025 · Amount on Record |
| Deed Sale | Oct 21, 2025 · Amount on Record |
| Deed Document Number | 202585845 |
| Deed Book / Page | 6242 / 1191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2045 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2045 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Document Number | 0062950850 |
|---|---|
| Date | Jan 27, 2026 |
| Book Page | 6295/850 |
| Instrument | 2026006935 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Feb 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 21, 2025 |
| Property Address | 2045 RIVERS OWN RD, SAINT AUGUSTINE, FL 32092-2430 |
| Document Number | 0062421191 |
| Book / Page | 6242 / 1191 |
| Map Reference | MB 47 PG 84-94 |
| Instrument Date | Oct 20, 2025 |
| Instrument | 2025085845 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | BLUE OCEAN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,675.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 728 PALMERA DR E, PONTE VEDRA BEACH, FL 32082-2440 |
| Name | Verified Name |
|---|---|
| Address | 3631 MOUNT TABOR RD, BLACKSBURG, VA 24060-0421 |
| Document Number | 0062421193 |
|---|---|
| Date | Oct 21, 2025 |
| Instrument | 6242/1193 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.75% |
| Index | 5-Year CMT |
| Max Rate | 9.75% |
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 | $445,797 (-4.25%) Land $115,000 Building $330,797 | $445,797 (-4.25%) Land $115,000 Building $330,797 | |
| 2025 | $8,849.00 (+10.14%) | $465,590 (-3.64%) | $465,590 (-3.64%) Land $130,000 Building $335,590 |
| 2024 | $8,034.00 (+0.83%) | $483,169 (-6.18%) | $483,169 (-6.18%) Land $135,000 Building $348,169 |
| 2023 | $7,968.00 (+14.93%) | $514,983 (+37.19%) | $514,983 (+37.19%) Land $137,000 Building $377,983 |
| 2022 | $6,933.00 | $375,375 | $375,375 Land $103,040 Building $272,335 |
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 100 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 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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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