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207 Cowry Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 207 Cowry Rd, Saint Augustine, FL 32086 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,848 sqft · built 1980
Lot Size0.23 acres (10,018 sqft)
OwnerIndividual Name on File
Tax Bill$1,664 (2025)
Deeds & MortgagesMar 2026 Mortgage
Mar 2023 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN225210-0395

Property Details

APN / Parcel Number

Primary APN225210-0395

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures11 Plumbing Fixtures
Stories1 Story
Building Area1,848 sqft Living Area
Gross Area2,388 sqft
1st Floor Area1,040 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1995
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,018 sqft (0.23 acres)
Lot Width100 ft Width
Garage TypeAttached
Garage Area384 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchFinished Screened Porch
Porch Area156 sqft
Deck Area256 sqft
Patio Area96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address207 COWRY RD
CitySAINT AUGUSTINE
StateFL
Zip32086-5711
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description8-34 ST AUG SOUTH UT 2 S1/2 OF LOT 395 & ALL LOTS 396 397 OR727/447 &898/1102 &2236/965 (F/J)
Legal Range30E
Legal Township07S
Legal Section41
Legal SubdivisionST. AUGUSTINE SOUTH UNIT 2
Legal Block2
Legal Lot Number395-3
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1037
Census Tract21302

Owner

Source: St. Johns County records · APN 225210-0395

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 RecordIndividual Name on File
Mailing Address207 COWRY RD, SAINT AUGUSTINE, FL 32086-5711
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 19, 2026Deed of Trust, Mortgage
COASTLINE FCU
Mar 16, 2023Deed of Trust, Mortgage
COASTLINE FCU
Jul 31, 2020Deed of Trust, Mortgage · Conventional Mortgage
COASTLINE FCU
Mar 09, 2020Deed of Trust, Mortgage · Conventional Mortgage
FIRST FLORIDA CU
Aug 29, 2017Deed of Trust, Mortgage · Line of Credit
FIRST FLORIDA CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Record UpdatedJun 08, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address207 COWRY RD, SAINT AUGUSTINE, FL 32086-5711
Transaction TypeMortgage
Record UpdatedMar 31, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 CURRY RD, ST AUGUSTINE, FL 32092

Mortgage

Document Number0063261406
DateMar 19, 2026
Book Page6326/1406
Instrument2026023501
Lender
NameCOASTLINE FCU
TypeCredit Union
AddressJACKSONVILLE, FL 32207
Agreement
AmountAmount Recorded
Term181 Months
DueApr 01, 2041

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address207 COWRY RD, SAINT AUGUSTINE, FL 32086-5711
Transaction TypeMortgage
Record UpdatedMar 29, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address207 COWRY RD, ST AUGUSTINE, FL 32086-5711

Mortgage

Document Number0057250594
DateMar 16, 2023
Book Page5725/594
Instrument2023020008
Lender
NameCOASTLINE FCU
TypeCredit Union
AddressJACKSONVILLE, FL 32247
Agreement
AmountAmount Recorded
Term181 Months
DueApr 01, 2038

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address207 COWRY RD, SAINT AUGUSTINE, FL 32086-5711
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0050041065
DateJul 31, 2020
Book Page5004/1065
Instrument2020062805
Lender
NameCOASTLINE FCU
TypeCredit Union
AddressJACKSONVILLE, FL 32256
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address207 COWRY RD, SAINT AUGUSTINE, FL 32086-5711
Document Number0049051937
Instrument DateMar 09, 2020
Transaction TypeMortgage
Record UpdatedJun 19, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address207 COWRY RD ST AUGUSTINE FL 320865711, ST AUGUSTINE, FL 32086-5711

Mortgage

Document Number0049051937
DateMar 19, 2020
Book Page004905/001937
Instrument22462
Lender
NameFIRST FLORIDA CU
TypeCredit Union
AddressJACKSONVILLE, FL 32202
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueMar 18, 2040

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address207 COWRY RD, SAINT AUGUSTINE, FL 32086-5711
Document Number0044341264
Book / Page004434 / 001264
Instrument DateAug 29, 2017
Transaction TypeMortgage
Record UpdatedOct 04, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address207 COWRY RD ST AUGUSTINE FL 320865711, ST AUGUSTINE, FL 32086-5711

Mortgage

Document Number0044341264
DateSep 14, 2017
Book Page004434/001264
Instrument62770
Lender
NameFIRST FLORIDA CU
TypeCredit Union
AddressJACKSONVILLE, FL 32203-3310
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueSep 13, 2037
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$140,052 (+2.7%)$369,015 (-1.2%) Land $131,100 Building $237,915
2025$1,664.00 (+15.8%) Homeowner's exemption$136,370 (+5.99%)$373,501 (+0.35%) Land $133,800 Building $239,701
2024$1,437.00 (+2.42%)
2023$1,403.00 (+4.23%) Homeowner's exemption$128,667 (+3%)$372,187 (+5.71%) Land $133,800 Building $238,387
2022$1,346.00 Homeowner's exemption$124,919$352,084 Land $89,600 Building $262,484

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 121090213021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 76 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies76 in force
54 of 76 on primary residences
Nearby Flood Claims52 (1981–2019)
Claims Outside the SFHA17 of 52
Most Recent ClaimOct 2019, other causes
Flood Events
  • Hurricane Irma (Sep 2017), 9 claims
  • Hurricane Matthew (Oct 2016), 13 claims
  • Hurricane Frances (Sep 2004), 3 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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