224 Spanish Marsh Dr, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 224 Spanish Marsh Dr, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,782 sqft · built 2017
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Oct 2017)
Tax Bill	$10,945 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072082-0450`

Property Details

APN / Parcel Number

Primary APN	`072082-0450`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,782 sqft Living Area
Gross Area	3,996 sqft
1st Floor Area	2,782 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	738 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished Screened Porch
Porch Area	614 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	224 SPANISH MARSH DR
City	SAINT AUGUSTINE
State	FL
Zip	32095-7406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	54/12-14 COURTYARD VILLAS OF MONTEREY PHASE 2 LOT 45 OR4444/1218
Legal Range	29E
Legal Township	05S
Legal Section	53
Legal Subdivision	COURTYARD VILLAS OF MONTEREY PHASE TWO
Legal Phase	2
Legal Block	4
Legal Lot Number	45
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4013
Census Tract	20606

Owner

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	224 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 17, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Oct 5, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2017 · Amount on Record
Deed Sale	Oct 5, 2017 · Amount on Record
Deed Document Number	201767905
Deed Book / Page	4444 / 1218
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	224 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7406
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 SPANISH MARSH DR, ST AUGUSTINE, FL 32095-7406

Mortgage

Document Number	0054091120
Date	Nov 2, 2021
Book Page	5409/1120
Instrument	2021119083

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 17, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	224 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7406
Document Number	0049960920
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	224 SPANISH MARSH DR ST AUGUSTINE FL 320957406, ST AUGUSTINE, FL 32095-7406

Mortgage

Document Number	0049960920
Date	Jul 23, 2020
Book Page	004996/000920
Instrument	59461

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 5, 2017
Property Address	224 SPANISH MARSH DR, SAINT AUGUSTINE, FL 32095-7406
Document Number	0044441218
Book / Page	004444 / 001218
Instrument Date	Oct 3, 2017
Instrument	67905
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	224 SPANISH MARSH DR ST AUGUSTINE FL 32095, ST AUGUSTINE, FL 32095

Mortgage

Document Number	44441220
Date	Oct 5, 2017
Book Page	004444/001220
Instrument	67906

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2047

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$511,156 (+2.7%)	$866,123 (-0.41%) Land $235,000 Building $631,123
2025	$10,945.00 (+7.78%) Homeowner's exemption	$497,718 (+2.9%)	$869,710 (-2.17%) Land $235,000 Building $634,710
2024	$10,155.00 (+2.4%) Homeowner's exemption	$483,691 (+3%)	$889,029 (+7.67%) Land $160,000 Building $729,029
2023	$9,917.00 (+13.84%) Homeowner's exemption	$469,603 (+25.81%)	$825,723 (+33.05%) Land $130,000 Building $695,723
2022	$8,711.00 Homeowner's exemption	$373,269	$620,612 Land $100,800 Building $519,812

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 249 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	249 in force
Nearby Flood Claims	3 (2016–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2022 · Hurricane Nicole

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
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

Violations Reported to EPA

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000

May also be available: T-Mobile.

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