St. Johns County property record for 238 Flora Lake Cir, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,236 sqft · built 2015 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $299,000 (Apr 2018) |
| Tax Bill | $3,752 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026484-0290 |
| Primary APN | 026484-0290 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,236 sqft Living Area |
| Gross Area | 3,044 sqft |
| 1st Floor Area | 2,236 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 664 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 238 FLORA LAKE CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8962 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 29 OR4535/1743 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 21 |
| Legal Subdivision | SANDY CREEK PHASES 2A AND 2B |
| Legal Block | 1 |
| Legal Lot Number | 29 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2078 |
| Census Tract | 20904 |
238 Flora Lake Cir is owned and occupied by two individuals who bought it in April 2018.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 238 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8962 |
| 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 |
|---|---|
| Aug 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Apr 24, 2018 | Warranty Deed, Transfer · Conventional Mortgage BAYWAY MORTGAGE GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2018 · Amount on File |
| Deed Sale | Apr 24, 2018 · Amount on File |
| Prior Sale | Apr 1, 2016 · Amount on File |
| Deed Document Number | 201827447 |
| Deed Book / Page | 4535 / 1743 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 238 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8962 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0047860318 |
|---|---|
| Date | Aug 28, 2019 |
| Book Page | 4786/0318 |
| Instrument | 2019063839 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 24, 2018 |
| Property Address | 238 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8962 |
| Document Number | 0045351743 |
| Book / Page | 4535 / 1743 |
| Map Reference | MB74 PG2A&2B |
| Instrument Date | Apr 16, 2018 |
| Instrument | 2018027447 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | HOMEGARD TRUST TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8529 CORAL SAND LN, 8529, KNOXVILLE, TN 37938-4612 |
| Name | Verified Name |
|---|---|
| Address | 238 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8962 |
| Investor | Possibly a Property Investor |
| Document Number | 2018027448 |
|---|---|
| Date | Apr 24, 2018 |
| Instrument | 2018027448 |
| Name | BAYWAY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 238 Flora Lake Cir was $3,752 with a homeowner's exemption, up 12.9% 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 | $300,488 (+2.7%) | $385,606 (-7.32%) Land $100,000 Building $285,606 | |
| 2025 | $3,752.00 (+12.88%) Homeowner's exemption | $292,588 (+2.9%) | $416,051 (+3.34%) Land $100,000 Building $316,051 |
| 2024 | $3,324.00 (+2.03%) Homeowner's exemption | $284,342 (+3%) | $402,607 (-0.78%) Land $100,000 Building $302,607 |
| 2023 | $3,258.00 Homeowner's exemption | $276,060 | $405,760 Land $100,000 Building $305,760 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 238 Flora Lake Cir 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 238 Flora Lake Cir is moderate, ranking above 65% 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 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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