St. Johns County property record for 223 Orchard Ln, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,389 sqft · built 2020 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $358,000 (Jul 2020) |
| Tax Bill | $7,222 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 027016-0160 |
| Primary APN | 027016-0160 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,389 sqft Living Area |
| Gross Area | 3,248 sqft |
| 1st Floor Area | 2,389 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 | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 691 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 168 sqft |
| Patio Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 223 ORCHARD LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-0031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 83/34-39 BANNON LAKES PHASE 1B-2 LOT 16 OR5000/45 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 12 |
| Legal Subdivision | BANNON LAKES PHASE 1B-2 |
| Legal Phase | 1B |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20904 |
223 Orchard Ln is owned and occupied by an individual who bought it in July 2020.
Source: St. Johns County records, as of July 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 223 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0031 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 8, 2026 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Dec 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 27, 2020 | Grant Deed, Transfer · Conventional Mortgage TAYLOR MORRISON HOME FUNDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2020 · Amount on File |
| Deed Sale | Jul 27, 2020 · Amount on File |
| Deed Document Number | 202060870 |
| Deed Book / Page | 5000 / 45 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 8, 2026 |
| Property Address | 223 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0031 |
| Document Number | 0000058112 |
| Book / Page | 6397 / 586 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 202658112 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 223 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0031 |
| Document Number | 0000058112, |
|---|---|
| Date | Jul 8, 2026 |
| Book Page | 6397/586 |
| Instrument | 202658112 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 27, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 223 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0031 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 223 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0031 |
| Document Number | 0054360482 |
|---|---|
| Date | Dec 3, 2021 |
| Book Page | 5436/482 |
| Instrument | 2021131137 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 27, 2020 |
| Property Address | 223 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0031 |
| Document Number | 0050000045 |
| Book / Page | 005000 / 000045 |
| Instrument Date | Jul 24, 2020 |
| Instrument | 60870 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2020 |
| Title Company | INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,506.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 223 ORCHARD LN ST AUGUSTINE FL 320950031, ST AUGUSTINE, FL 32095-0031 |
| Document Number | 50000047 |
|---|---|
| Date | Jul 27, 2020 |
| Book Page | 005000/000047 |
| Instrument | 60871 |
| Name | TAYLOR MORRISON HOME FUNDING |
|---|---|
| Type | Funding / Finance Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 26, 2050 |
The 2025 property tax bill for 223 Orchard Ln was $7,222 with a homeowner's exemption, up 9.8% from the year before.
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 | $338,372 (+2.7%) | $432,500 (-4.13%) Land $100,000 Building $332,500 | |
| 2025 | $7,222.00 (+9.82%) Homeowner's exemption | $329,476 (+2.9%) | $451,117 (+0.05%) Land $105,000 Building $346,117 |
| 2024 | $6,576.00 (+1.14%) Homeowner's exemption | $320,190 (+3%) | $450,877 (-0.02%) Land $105,000 Building $345,877 |
| 2023 | $6,502.00 (+3.57%) Homeowner's exemption | $310,864 (+3%) | $450,953 (+16%) Land $105,000 Building $345,953 |
| 2022 | $6,278.00 Homeowner's exemption | $301,810 | $388,752 Land $84,000 Building $304,752 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 223 Orchard Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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.
Wildfire risk around 223 Orchard Ln is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 44% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures