St. Johns County property record for 2725 Elsie Rd, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,600 sqft · built 2021 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $30,000 (Nov 2004) |
| Tax Bill | $1,170 (2025) |
| Deeds & Mortgages | Jul 2020 Construction Loan Jan 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 099340-0050 |
| Primary APN | 099340-0050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 1,600 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,147 sqft (0.21 acres) |
| Lot Dimensions | 135 ft deep x 69 ft wide |
| Garage Type | Carport |
| Garage Area | 200 sqft |
| Carport | Carport |
| Carport Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 232 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2725 ELSIE RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-5318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 10/83 WESTWOOD SUBDIVISION LOT 5 OR2316/1224 & 5002/713(M/H) |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 35 |
| Legal Subdivision | WESTWOOD SUBDIVISION |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 21301 |
Source: St. Johns County records · APN 099340-0050
Assessment roll updated April 13, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 2725 ELSIE RD, SAINT AUGUSTINE, FL 32086-5318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2020 | Deed of Trust, Mortgage · Construction Mortgage GSF MORTGAGE CORP |
| Jan 04, 2018 | Loan Modification, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 10, 2004 · Amount on Record |
| Deed Sale | Nov 10, 2004 · Amount on Record |
| Deed Document Number | 200483714 |
| Deed Book / Page | 2316 / 1224 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2725 ELSIE RD, SAINT AUGUSTINE, FL 32086-5318 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0050020716 |
|---|---|
| Date | Jul 30, 2020 |
| Book Page | 5002/716 |
| Instrument | 2020061867 |
| Name | GSF MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, WI 53015 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 370 Months |
| Due | May 01, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2725 ELSIE RD, SAINT AUGUSTINE, FL 32086-5318 |
| Document Number | 0044900387 |
| Book / Page | 004490 / 000387 |
| Instrument Date | Jan 04, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2725 ELSIE RD ST AUGUSTINE FL 320865318, ST AUGUSTINE, FL 32086-5318 |
| Document Number | 0044900387 |
|---|---|
| Date | Jan 12, 2018 |
| Book Page | 004490/000387 |
| Instrument | 2754 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 11, 2028 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $103,329 (+2.7%) | $154,390 (+6.7%) Land $40,000 Building $114,390 | |
| 2025 | $1,170.00 (+18.54%) Homeowner's exemption | $100,612 (+2.9%) | $144,701 (-4.74%) Land $40,000 Building $104,701 |
| 2024 | $987.00 (+2.6%) Homeowner's exemption | $97,776 (+3%) | $151,903 (+4.53%) Land $40,000 Building $111,903 |
| 2023 | $962.00 (+5.14%) Homeowner's exemption | $94,928 (+3%) | $145,322 (+18.03%) Land $40,000 Building $105,322 |
| 2022 | $915.00 Homeowner's exemption | $92,163 | $123,124 Land $33,600 Building $89,524 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090213013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 46 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 46 in force |
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 229 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | SJCU-CR214 MAINLAND WTP serves 66,953 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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