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

St. Johns County property record for 235 Towers Ranch Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 5,510 sqft · built 2007
Lot Size	15 acres (657,320 sqft)
Owner	Individual Name on Record
Last Sale	$569,000 (May 2013)
Tax Bill	$11,043 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010763-0450`

Property Details

APN / Parcel Number

Primary APN	`010763-0450`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	25 Plumbing Fixtures
Stories	1 Story
Building Area	5,510 sqft Living Area
Gross Area	6,483 sqft
1st Floor Area	4,478 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	657,320 sqft (15 acres)
Garage Type	Attached
Garage Area	973 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	745 sqft
Deck Area	Deck Area
Patio Area	777 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	235 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 45 OR3736/509(C/T) & 4480/349(Q/C)
Legal Range	27E
Legal Township	06S
Legal Section	12
Legal Subdivision	BARTRAM DOWNS UNIT THREE
Legal Block	1
Legal Lot Number	45
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1024
Census Tract	20908

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	235 TOWERS RANCH DR, SAINT AUGUSTINE, FL 32092-1755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOP FLITE FINANCIAL INC
Apr 26, 2018	Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC
Dec 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2013 · Amount on Record
Deed Sale	May 28, 2013 · Amount on Record
Deed Document Number	201334808
Deed Book / Page	3736 / 509
Last Transfer Date	Dec 21, 2017
Transfer Doc	0044800349
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	235 TOWERS RANCH DR, SAINT AUGUSTINE, FL 32092-1755
Transaction Type	Mortgage
Record Updated	Jul 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 TOWERS RANCH DR, SAINT AUGUSTINE, FL 32092-1755

Mortgage

Document Number	0057871114
Date	Jul 6, 2023
Book Page	5787/1114
Instrument	2023052482

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	235 TOWERS RANCH DR, SAINT AUGUSTINE, FL 32092-1755
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053160476
Date	Jul 13, 2021
Book Page	5316/476
Instrument	2021077447

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Aug 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8.12%
Index	Other
Margin	3
Max Rate	8.12%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	235 TOWERS RANCH DR, SAINT AUGUSTINE, FL 32092-1755
Transaction Type	Mortgage
Record Updated	Apr 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 TOWERS RANCH DR, SAINT AUGUSTINE, FL 32092-1755

Mortgage

Document Number	0052130787
Date	Mar 22, 2021
Book Page	5213/787
Instrument	2021031057

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	235 TOWERS RANCH DR, SAINT AUGUSTINE, FL 32092-1755
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045370247
Date	Apr 26, 2018
Book Page	4537/0247
Instrument	2018028076

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 21, 2017
Property Address	235 TOWERS RANCH DR, SAINT AUGUSTINE, FL 32092-1755
Document Number	0044800349
Book / Page	004480 / 000349
Instrument Date	Dec 21, 2017
Instrument	86411
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 TOWERS RANCH DR ST AUGUSTINE FL 320921755, ST AUGUSTINE, FL 32092-1755

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		$856,410 (+2.7%)	$1,242,991 (+8.03%) Land $360,000 Building $882,991
2025	$11,043.00 (+14.53%) Homeowner's exemption	$833,895 (+8.98%)	$1,150,599 (+5.86%) Land $360,000 Building $790,599
2024	$9,642.00 (+1.85%)
2023	$9,467.00 (+2.46%) Homeowner's exemption	$765,153 (+3%)	$1,086,904 (-2.24%) Land $342,000 Building $744,904
2022	$9,240.00 Homeowner's exemption	$742,867	$1,111,756 Land $268,800 Building $842,956

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 65% of the US · above 42% 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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