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278 Rock Spring Loop, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 278 Rock Spring Loop, Saint Augustine, FL 32095 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms2 Baths
Year BuiltBuilt 2017
Square Footage1,547 sqft Living Area
Lot Size4,356 sqft (0.1 acres)
OccupancyOwner Occupied
Last Sale$342,000 (2022)
Tax Bill$6,941.00 (2025)

Property Details

APN / Parcel Number

Primary APN027015-0970

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures9 Plumbing Fixtures
Building Area1,547 sqft Living Area
Gross Area2,088 sqft Gross Area
1st Floor1,547 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialStucco Exterior
Construction TypeWood Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area4,356 sqft (0.1 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area406 sqft Garage
Porch Area240 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address278 ROCK SPRING LOOP
CitySAINT AUGUSTINE
StateFL
Zip32095-0017
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description82/48-57 BANNON LAKES PHASE 1B-1A LOT 97 OR5492/71
Legal Range28E
Legal Township06S
Legal Section11
Legal SubdivisionBANNON LAKES PHASE 1B-1A
Legal Phase1B
Legal Lot Number97
JurisdictionST JOHNS FL
Minor Civil DivisionST. AUGUSTINE
Census Blockgroup2
Census Block2065
Census Tract20904

Owner

Source: St. Johns County records · APN 027015-0970

Assessment roll updated April 13, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address278 ROCK SPRING LOOP, SAINT AUGUSTINE, FL 32095-0017
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Feb 14, 2022Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Mar 05, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Feb 27, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Jun 08, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Nov 16, 2017Grant Deed, Construction Loan
PGP TITLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 14, 2022 · Amount on Record
Deed SaleFeb 14, 2022 · Amount on Record
Prior SaleNov 16, 2017 · Amount on Record
Deed Doc Number202215931
Deed Book / Page5492 / 71
Prior Transfer DateFeb 19, 2020
Prior Transfer Doc0048911242
Record RefreshedSep 20, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address278 ROCK SPRING LOOP, SAINT AUGUSTINE, FL 32095-0017
Transaction TypeMortgage
Record UpdatedOct 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address12069 BRIDGEHAMPTON RD, JACKSONVILLE, FL 32218-1558

Mortgage

Document Number0054920073
DateFeb 14, 2022
Book Page5492/73
Instrument2022015932
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2052

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST JOHNS FL
Recording DateMar 05, 2020
Property Address278 ROCK SPRING LOOP, SAINT AUGUSTINE, FL 32095-0017
Document Number0048970548
Book / Page004897 / 000548
Instrument DateMar 03, 2020
Instrument18253
Transaction TypeTransfer
Record UpdatedJun 17, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address7 BENDER RD WESTTOWN NY 109983505, WESTTOWN, NY 10998-3505

February 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST JOHNS FL
Recording DateFeb 27, 2020
Property Address278 ROCK SPRING LOOP, SAINT AUGUSTINE, FL 32095-0017
Document Number0048911242
Book / Page004891 / 001242
Instrument DateFeb 19, 2020
Instrument15826
Transaction TypeTransfer
Record UpdatedMar 12, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address278 ROCK SPRING LOOP ST AUGUSTINE FL 320950017, ST AUGUSTINE, FL 32095-0017

June 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST JOHNS FL
Recording DateJun 08, 2018
Property Address278 ROCK SPRING LOOP, SAINT AUGUSTINE, FL 32095-0017
Document Number0045601500
Book / Page004560 / 001500
Instrument DateMay 07, 2018
Instrument40199
Transaction TypeTransfer
Record UpdatedJun 25, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address278 ROCK SPRING LOOP ST AUGUSTINE FL 320950017, ST AUGUSTINE, FL 32095-0017

November 2017: Grant Deed, Construction Loan

Document TypeGrant Deed
JurisdictionST JOHNS FL
Recording DateNov 16, 2017
Property Address278 ROCK SPRING LOOP, SAINT AUGUSTINE, FL 32095-0017
Document Number0044631771
Book / Page004463 / 001771
Instrument DateNov 15, 2017
Instrument77976
Transaction TypeConstruction Loan
Record UpdatedJan 03, 2018
Title CompanyPGP TITLE

Transaction

AmountAmount Recorded
Tax$1,656.00

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address278 ROCK SPRING LOOP ST AUGUSTINE FL 320950017, ST AUGUSTINE, FL 32095-0017

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$293,325 (-4.94%) Land $75,000 Building $218,325$293,325 (-4.94%) Land $75,000 Building $218,325
2025$6,941.00 (+5.06%) Homeowner's exemption$308,571 (-4.37%)$308,571 (-6.54%) Land $70,000 Building $238,571
2024$6,607.00 (+1.15%) Homeowner's exemption$322,673 (+3%)$330,153 (+5.39%) Land $80,000 Building $250,153
2023$6,532.00 (+19.13%) Homeowner's exemption$313,275 (+30.7%)$313,275 (+12.85%) Land $80,000 Building $233,275
2022$5,483.00 Homeowner's exemption$239,683$277,598 Land $67,200 Building $210,398

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskModerate
above 50% of the US · above 20% of Florida
Wildfire LikelihoodAbout 1 in 909 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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