232 Ness Cir, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 232 Ness Cir, Saint Augustine, FL 32095 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,319 sqft · built 2022
Lot Size	0.21 acres (9,147 sqft)
Owner	2 Individual Names on File
Last Sale	$565,630 (May 2022)
Tax Bill	$9,619 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jun 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023723-3280`

Property Details

APN / Parcel Number

Primary APN	`023723-3280`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	2 Stories
Building Area	3,319 sqft Living Area
Gross Area	4,337 sqft
1st Floor Area	1,421 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 NESS CIR
City	SAINT AUGUSTINE
State	FL
Zip	32095-7625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	100/12-20 BEACON LAKE PHASE 2B LOT 328 OR5549/913
Legal Range	28E
Legal Township	05S
Legal Section	15
Legal Subdivision	BEACON LAKE PHASE 2B
Legal Phase	2B
Legal Block	1
Legal Lot Number	328
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2031
Census Tract	20904

Owner

Source: St. Johns County records · APN 023723-3280

Assessment roll updated April 13, 2026 · Last verified June 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	232 NESS CIR, SAINT AUGUSTINE, FL 32095-7625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Jun 07, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
May 02, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 02, 2022 · Amount on Record
Deed Sale	May 02, 2022 · Amount on Record
Deed Document Number	202244571
Deed Book / Page	5549 / 913
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	232 NESS CIR, SAINT AUGUSTINE, FL 32095-7625
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 NESS CIR, SAINT AUGUSTINE, FL 32095-7625

Mortgage

Document Number	0063130591
Date	Feb 27, 2026
Book Page	6313/591
Instrument	2026016603

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 09, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	232 NESS CIR, SAINT AUGUSTINE, FL 32095-7625
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 NESS CIR, ST AUGUSTINE, FL 32095-7625

Mortgage

Document Number	0055740990
Date	Jun 07, 2022
Book Page	5574/990
Instrument	2022057275

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jul 01, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 02, 2022
Property Address	232 NESS CIR, SAINT AUGUSTINE, FL 32095-7625
Document Number	0055490913
Book / Page	5549 / 913
Map Reference	MB 100 PG 12-20
Instrument Date	Apr 27, 2022
Instrument	2022044571
Transaction Type	Subdivision Related Transfer
Record Updated	May 23, 2023
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,959.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 NESS CIR, ST AUGUSTINE, FL 32095-7625

Mortgage

Document Number	0005549915
Date	May 02, 2022
Instrument	5549/915

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2052

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$505,689 (+2.7%)	$637,278 (+0.35%) Land $120,000 Building $517,278
2025	$9,619.00 (+8.33%) Homeowner's exemption	$492,394 (+2.9%)	$635,031 (+14.94%) Land $120,000 Building $515,031
2024	$8,879.00 (+3%) Homeowner's exemption	$478,517 (+3%)	$552,513 (-1.68%) Land $120,000 Building $432,513
2023	$8,620.00 (+99.63%) Homeowner's exemption	$464,580 (+388%)	$561,969 (+490.3%) Land $120,000 Building $441,969
2022	$4,318.00	$95,200	$95,200 Land $95,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 206 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 in force

Wildfire

Wildfire Risk	Moderate above 67% of the US · above 44% of Florida
Wildfire Likelihood	About 1 in 575 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 165 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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