St. Johns County property record for 238 Cowry Rd, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,184 sqft · built 1985 |
| Lot Size | 0.28 acres (12,196 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,366 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 226200-0000 |
| Primary APN | 226200-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,184 sqft Living Area |
| Gross Area | 1,424 sqft |
| 1st Floor Area | 944 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,196 sqft (0.28 acres) |
| Lot Width | 120 ft Width |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 108 sqft |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 238 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 685 686 & 687 OR675/1069 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | ST. AUGUSTINE SOUTH UNIT 3 |
| Legal Block | 1 |
| Legal Lot Number | 685 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 21302 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 238 COWRY RD, SAINT AUGUSTINE, FL 32086-5712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 238 COWRY RD, SAINT AUGUSTINE, FL 32086-5712 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 238 COWRY RD, ST AUGUSTINE, FL 32086-5712 |
| Document Number | 0056751283 |
|---|---|
| Date | Dec 6, 2022 |
| Book Page | 5675/1283 |
| Instrument | 2022110292 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $117,639 (+2.7%) | $297,461 (+0.12%) Land $157,320 Building $140,141 | |
| 2025 | $1,366.00 (+17.15%) Homeowner's exemption | $114,546 (+2.9%) | $297,091 (+1.51%) Land $160,560 Building $136,531 |
| 2024 | $1,166.00 (+2.55%) Homeowner's exemption | $111,318 (+3%) | $292,665 (-1.17%) Land $160,560 Building $132,105 |
| 2023 | $1,137.00 (+4.7%) Homeowner's exemption | $108,076 (+3%) | $296,129 (+14.72%) Land $160,560 Building $135,569 |
| 2022 | $1,086.00 Homeowner's exemption | $104,928 | $258,130 Land $107,520 Building $150,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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 |
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