St. Johns County property record for 21 Silver Reef Ln, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,153 sqft · built 2020 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $434,900 (Apr 2020) |
| Tax Bill | $7,156 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 023713-3450 |
| Primary APN | 023713-3450 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,153 sqft Living Area |
| Gross Area | 3,773 sqft |
| 1st Floor Area | 2,660 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 198 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 21 SILVER REEF LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-7524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 92/81-90 CREEKSIDE AT TWIN CREEKS PHASE 2A LOT 345 OR4918/788 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 11 |
| Legal Subdivision | CREEKSIDE AT TWIN CREEKS PHASE 2A |
| Legal Phase | 2A |
| Legal Block | 1 |
| Legal Lot Number | 345 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2074 |
| Census Tract | 20904 |
Source: St. Johns County records · APN 023713-3450
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 07, 2020 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 07, 2020 · Amount on Record |
| Deed Sale | Apr 07, 2020 · Amount on Record |
| Deed Document Number | 202027456 |
| Deed Book / Page | 4918 / 788 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 21 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7524 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 21 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7524 |
| Document Number | 0058321368 |
|---|---|
| Date | Sep 29, 2023 |
| Book Page | 5832/1368 |
| Instrument | 2023076792 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 22, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 07, 2020 |
| Property Address | 21 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7524 |
| Document Number | 0049180788 |
| Book / Page | 4918 / 788 |
| Map Reference | MB 92 PG 81 |
| Instrument Date | Apr 07, 2020 |
| Instrument | 2020027456 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,044.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339 |
| Name | Verified Name |
|---|---|
| Address | 21 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7524 |
| Document Number | 49180792 |
|---|---|
| Date | Apr 07, 2020 |
| Instrument | 4918/0792 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $438,539 (+2.7%) | $533,088 (-3.76%) Land $110,000 Building $423,088 | |
| 2025 | $7,156.00 (+9.15%) Homeowner's exemption | $427,010 (+2.9%) | $553,927 (-3.05%) Land $105,000 Building $448,927 |
| 2024 | $6,556.00 (+0.92%) Homeowner's exemption | $414,976 (+3%) | $571,363 (+21.13%) Land $105,000 Building $466,363 |
| 2023 | $6,496.00 (+2.04%) Homeowner's exemption | $402,889 (+3%) | $471,681 (+1.4%) Land $95,000 Building $376,681 |
| 2022 | $6,366.00 Homeowner's exemption | $391,154 | $465,175 Land $84,000 Building $381,175 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 in force |
| Wildfire Risk | Moderate above 47% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Xfinity.
Based on FCC filings for 159 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SJCU-NORTHEAST UTILITIES WS serves 14,790 people |
|---|---|
| Water Source | Purchased groundwater from JEA MAJOR GRID |
| Last State Inspection | Mar 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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