St. Johns County property record for 231 Spring Creek Way, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,521 sqft · built 2017 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | Individual Name on File |
| Last Sale | $339,900 (Oct 2017) |
| Tax Bill | $4,119 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026484-0470 |
| Primary APN | 026484-0470 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,521 sqft Living Area |
| Gross Area | 3,401 sqft |
| 1st Floor Area | 2,521 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 231 SPRING CREEK WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8969 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 47 OR4449/864 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 21 |
| Legal Subdivision | SANDY CREEK PHASES 2A AND 2B |
| Legal Block | 1 |
| Legal Lot Number | 47 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 20904 |
231 Spring Creek Way is owned and occupied by an individual who bought it in October 2017.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 231 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8969 |
| 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 |
|---|---|
| Nov 18, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST FLORIDA CU |
| Nov 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND |
| Oct 17, 2017 | Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2017 · Amount on File |
| Deed Sale | Oct 17, 2017 · Amount on File |
| Deed Document Number | 201770325 |
| Deed Book / Page | 4449 / 864 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 231 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8969 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2021 |
| Name | Verified Name |
|---|---|
| Address | 231 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8969 |
| Document Number | 0054230913 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 5423/913 |
| Instrument | 2021125517 |
| Name | FIRST FLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Oct 27, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 231 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8969 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 231 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8969 |
| Document Number | 0050980840 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 5098/840 |
| Instrument | 2020102815 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 17, 2017 |
| Property Address | 231 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8969 |
| Document Number | 0044490864 |
| Book / Page | 4449 / 0864 |
| Map Reference | MB74 PG86-98 |
| Instrument Date | Aug 10, 2017 |
| Instrument | 2017070325 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,379.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2120 CORP SQ # BLVD3, 2120, JACKSONVILLE, FL 32216-0306 |
| Name | Verified Name |
|---|---|
| Address | 231 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8969 |
| Document Number | 2017070326 |
|---|---|
| Date | Oct 17, 2017 |
| Instrument | 2017070326 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 231 Spring Creek Way was $4,119 with a homeowner's exemption, up 12.7% 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 | $328,434 (+2.7%) | $421,656 (-8.48%) Land $100,000 Building $321,656 | |
| 2025 | $4,119.00 (+12.66%) Homeowner's exemption | $319,799 | $460,701 Land $100,000 Building $360,701 |
| 2024 | $3,656.00 (+2.01%) | ||
| 2023 | $3,584.00 (+2.93%) Homeowner's exemption | $301,734 (+3%) | $452,806 (+7.42%) Land $100,000 Building $352,806 |
| 2022 | $3,482.00 Homeowner's exemption | $292,946 | $421,546 Land $84,000 Building $337,546 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 231 Spring Creek Way 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 AE, 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 231 Spring Creek Way is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475 |
|---|---|
| Water Source | Purchased groundwater from JEA MAJOR GRID |
| Last State Inspection | Mar 2024 |
| 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, 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.
Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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