234 Towers Ranch Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 234 Towers Ranch Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,416 sqft · built 2019
Lot Size	1.95 acres (84,942 sqft)
Owner	Individual Name on File
Last Sale	$133,000 (Feb 2016)
Tax Bill	$334 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010763-0390`

Property Details

APN / Parcel Number

Primary APN	`010763-0390`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,416 sqft Living Area
Gross Area	2,909 sqft
1st Floor Area	2,416 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	84,942 sqft (1.95 acres)
Garage Type	Attached
Garage Area	493 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	377 sqft
Porch	Finished/Open Porch
Porch Area	335 sqft
Patio Area	705 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	234 TOWERS RANCH DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-1755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD
Legal Description	53/9-24 BARTRAM DOWNS UNIT THREE LOT 39 OR4150/1917
Legal Range	27E
Legal Township	06S
Legal Section	12
Legal Subdivision	BARTRAM DOWNS UNIT THREE
Legal Block	1
Legal Lot Number	39
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1024
Census Tract	20908

Owner

234 Towers Ranch Dr is owned and occupied by an individual who bought it in February 2016.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	Individual Name on File
Mailing Address	234 TOWERS RANCH DR, SAINT AUGUSTINE, FL 32092-1755
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jun 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2016 · Amount on File
Deed Sale	Feb 18, 2016 · Amount on File
Prior Sale	Apr 23, 2012 · Amount on File
Deed Document Number	20169719
Deed Book / Page	4150 / 1917
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	234 TOWERS RANCH DR, SAINT AUGUSTINE, FL 32092-1755
Transaction Type	Mortgage
Record Updated	Feb 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 TOWERS RANCH DR, SAINT AUGUSTINE, FL 32092-1755

Mortgage

Document Number	0051821534
Date	Feb 18, 2021
Book Page	5182/1534
Instrument	2021018157

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	234 TOWERS RANCH DR, SAINT AUGUSTINE, FL 32092-1755
Document Number	0045680553
Instrument Date	Jun 18, 2018
Transaction Type	Mortgage
Record Updated	Jul 13, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3727 BEDFORD DR MIDDLEBURG FL 320684370, MIDDLEBURG, FL 32068-4370

Mortgage

Document Number	0045680553
Date	Jun 25, 2018
Book Page	004568/000553
Instrument	44341

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 234 Towers Ranch Dr was $334 with a veteran's exemption, up 31.5% from the year before.

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		$433,689 (+2.7%)	$698,891 (+2.71%) Land $330,000 Building $368,891
2025	$334.00 (+31.5%) Disabled Person's exemption Veteran's exemption	$422,287	$680,426 Land $330,000 Building $350,426
2024	$254.00
2023	$254.00 (+7.63%) Disabled Person's exemption Veteran's exemption	$393,878 (+4.55%)	$634,886 (+18.6%) Land $305,000 Building $329,886
2022	$236.00 Disabled Person's exemption Veteran's exemption	$376,726	$535,337 Land $201,600 Building $333,737

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

Flood

FEMA maps place 234 Towers Ranch Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 121 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	121 in force
Nearby Flood Claims	28 (2008–2024)
Claims Outside the SFHA	6 of 28
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 15 claims Hurricane Matthew, Oct 2016 · 8 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

Wildfire risk around 234 Towers Ranch Dr is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

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