226 Cowry Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 226 Cowry Rd, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,651 sqft · built 1981
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jan 2019)
Tax Bill	$2,579 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`226180-0000`

Property Details

APN / Parcel Number

Primary APN	`226180-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,651 sqft Living Area
Gross Area	2,001 sqft
1st Floor Area	1,159 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1996
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Lot Width	80 ft Width
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	276 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	226 COWRY RD
City	SAINT AUGUSTINE
State	FL
Zip	32086-5712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	8-35 ST AUG SOUTH UT 3 LOTS 680 & 681 OR4669/869
Legal Range	30E
Legal Township	07S
Legal Section	41
Legal Subdivision	ST. AUGUSTINE SOUTH UNIT 3
Legal Block	3
Legal Lot Number	680-6
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1043
Census Tract	21302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	226 COWRY RD, SAINT AUGUSTINE, FL 32086-5712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2019 · Amount on Record
Deed Sale	Jan 18, 2019 · Amount on Record
Prior Sale	Jun 2, 2016 · Amount on Record
Deed Document Number	20194292
Deed Book / Page	4669 / 869
Record Updated	Oct 29, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 18, 2019
Property Address	226 COWRY RD, SAINT AUGUSTINE, FL 32086-5712
Document Number	0046690869
Book / Page	4669 / 0869
Map Reference	MB 8 PG 35
Instrument Date	Jan 18, 2019
Instrument	2019004292
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ISLAND TITLE OF ST AUGUSTINE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	51 S JOHNSVILLE FARMERSVIL RD, 51, NEW LEBANON, OH 45345-9730

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 COWRY RD, SAINT AUGUSTINE, FL 32086-5712

Mortgage

Document Number	2019004293
Date	Jan 18, 2019
Instrument	2019004293

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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		$213,989 (+2.7%)	$314,456 (+0.47%) Land $104,880 Building $209,576
2025	$2,579.00 (+13.91%) Homeowner's exemption Widower's exemption	$208,363 (+5.99%)	$312,978 (-0.38%) Land $107,040 Building $205,938
2024	$2,264.00 (+2.26%)
2023	$2,214.00 (+0.82%) Homeowner's exemption Widower's exemption	$196,593 (+3%)	$314,179 (+6.26%) Land $107,040 Building $207,139
2022	$2,196.00 Homeowner's exemption Widower's exemption	$190,867	$295,680 Land $71,680 Building $224,000

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 76 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	76 in force
Nearby Flood Claims	52 (1981–2019)
Claims Outside the SFHA	17 of 52
Most Recent Claim	Oct 2019 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 9 claims Hurricane Matthew, Oct 2016 · 13 claims Hurricane Frances, Sep 2004 · 3 claims

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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-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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20