St. Johns County property record for 264 Flora Lake Cir, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,393 sqft · built 2018 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | Individual Name on File |
| Last Sale | $303,400 (Oct 2018) |
| Tax Bill | $3,911 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Oct 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026484-0270 |
| Primary APN | 026484-0270 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,393 sqft Living Area |
| Gross Area | 2,846 sqft |
| 1st Floor Area | 2,038 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 453 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 264 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 27 OR4628/1469 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 21 |
| Legal Subdivision | SANDY CREEK PHASES 2A AND 2B |
| Legal Block | 1 |
| Legal Lot Number | 27 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2078 |
| Census Tract | 20904 |
264 Flora Lake Cir is owned and occupied by an individual who bought it in October 2018.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 264 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 |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Oct 10, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BK MTG |
| Oct 18, 2018 | Grant Deed, Subdivision Related Transfer ATTORNEY ONLY |
| Apr 18, 2018 | Loan Modification, Mortgage · Line of Credit REGIONS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2018 · Amount on File |
| Deed Sale | Oct 18, 2018 · Amount on File |
| Deed Document Number | 201875543 |
| Deed Book / Page | 4628 / 1469 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 264 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8962 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 264 FLORA LAKE CIR, ST AUGUSTINE, FL 32095-8962 |
| Document Number | 0051481205 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 5148/1205 |
| Instrument | 2021003349 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10271 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 177 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 264 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8962 |
| Document Number | 0046281471 |
| Instrument Date | Oct 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 264 FLORA LAKE CIR ST AUGUSTINE FL 320958962, ST AUGUSTINE, FL 32095-8962 |
| Document Number | 0046281471 |
|---|---|
| Date | Oct 18, 2018 |
| Book Page | 004628/001471 |
| Instrument | 75544 |
| Name | FIDELITY BK MTG |
|---|---|
| Type | Bank |
| Address | ATLANTA, GA 30329 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 17, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 18, 2018 |
| Property Address | 264 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8962 |
| Document Number | 0046281469 |
| Book / Page | 004628 / 001469 |
| Instrument Date | Oct 10, 2018 |
| Instrument | 75543 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 1, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $2,123.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 264 FLORA LAKE CIR ST AUGUSTINE FL 320958962, ST AUGUSTINE, FL 32095-8962 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 18, 2018 |
| Property Address | 264 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8962 |
| Document Number | 0045330848 |
| Book / Page | 004533 / 000848 |
| Instrument Date | Apr 11, 2018 |
| Instrument | 26162 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2120 CORPORATE SQUARE BLVD #7 JACKSONVILLE FL 322161976, 7, JACKSONVILLE, FL 32216-1976 |
| Document Number | 45330848 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 004533/000848 |
| Instrument | 26162 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | 70 N BAYLEN ST, PENSACOLA, FL 32502-5613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 264 Flora Lake Cir was $3,911 with a homeowner's exemption, up 12.8% 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 | $312,591 (+2.7%) | $397,247 (-7.37%) Land $100,000 Building $297,247 | |
| 2025 | $3,911.00 (+12.77%) Homeowner's exemption | $304,373 (+2.9%) | $428,862 (+2.58%) Land $100,000 Building $328,862 |
| 2024 | $3,468.00 (+2.03%) Homeowner's exemption | $295,795 (+3%) | $418,087 (-0.76%) Land $100,000 Building $318,087 |
| 2023 | $3,399.00 (+2.97%) Homeowner's exemption | $287,180 (+3%) | $421,300 (+7.69%) Land $100,000 Building $321,300 |
| 2022 | $3,301.00 Homeowner's exemption | $278,816 | $391,232 Land $84,000 Building $307,232 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 264 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 264 Flora Lake Cir is moderate, ranking above 57% 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 57% of the US · lower than 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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