St. Johns County property record for 278 Silver Sage Ln, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,192 sqft · built 2019 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $449,000 (Sep 2020) |
| Tax Bill | $8,070 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Sep 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 023713-2470 |
| Primary APN | 023713-2470 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,192 sqft Living Area |
| Gross Area | 3,871 sqft |
| 1st Floor Area | 2,527 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,147 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 679 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 291 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 278 SILVER SAGE LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-9016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 81/54-60 CREEKSIDE AT TWIN CREEKS PHASE 1D LOT 247 OR5039/337 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 14 |
| Legal Subdivision | CREEKSIDE AT TWIN CREEKS PHASE 1D |
| Legal Phase | 1D |
| Legal Block | 1 |
| Legal Lot Number | 247 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 20904 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 278 SILVER SAGE LN, SAINT AUGUSTINE, FL 32095-9016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 16, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Sep 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Aug 7, 2019 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST EQUITY MORTGAGE INC |
| Oct 31, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2020 · Amount on Record |
| Deed Sale | Sep 10, 2020 · Amount on Record |
| Prior Sale | Aug 7, 2019 · Amount on Record |
| Deed Document Number | 202077225 |
| Deed Book / Page | 5039 / 337 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 278 SILVER SAGE LN, SAINT AUGUSTINE, FL 32095-9016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 278 SILVER SAGE LN, SAINT AUGUSTINE, FL 32095-9016 |
| Document Number | 0054460427 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 5446/427 |
| Instrument | 2021135835 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 15, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 10, 2020 |
| Property Address | 278 SILVER SAGE LN, SAINT AUGUSTINE, FL 32095-9016 |
| Document Number | 0050390337 |
| Book / Page | 5039 / 337 |
| Map Reference | MB 81 PG 54-60 |
| Instrument Date | Sep 4, 2020 |
| Instrument | 2020077225 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | LANDMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,143.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 228 RINCON DR, 228, SAINT AUGUSTINE, FL 32095-6714 |
| Name | Verified Name |
|---|---|
| Address | 278 SILVER SAGE LN, SAINT AUGUSTINE, FL 32095-9016 |
| Document Number | 5039339 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | 5039/339 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 7, 2019 |
| Property Address | 278 SILVER SAGE LN, SAINT AUGUSTINE, FL 32095-9016 |
| Document Number | 0047731129 |
| Book / Page | 4773 / 1129 |
| Map Reference | MB 81 PG 54-60 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 2019057578 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 2, 2022 |
| Title Company | SHEFFIELD & BOATRIGHT TTL SV |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,905.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9452 PHILIPS HWY STE 4, 9452, JACKSONVILLE, FL 32256-1332 |
| Name | Verified Name |
|---|---|
| Address | 278 SILVER SAGE LN, SAINT AUGUSTINE, FL 32095-9016 |
| Document Number | 0047731130 |
|---|---|
| Date | Aug 7, 2019 |
| Instrument | 4773/1130 |
| Name | FIRST EQUITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 31, 2017 |
| Property Address | 278 SILVER SAGE LN, SAINT AUGUSTINE, FL 32095-9016 |
| Document Number | 0044560269 |
| Book / Page | 004456 / 000269 |
| Instrument Date | Oct 31, 2017 |
| Instrument | 73751 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,205.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 9452 PHILIPS HWY #4 JACKSONVILLE FL 322561332, 4, JACKSONVILLE, FL 32256-1332 |
| Investor | Possibly a Property Investor |
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 | $508,245 (+2.7%) | $608,237 (-3.61%) Land $110,000 Building $498,237 | |
| 2025 | $8,070.00 (+9.31%) Homeowner's exemption | $494,883 (+2.9%) | $631,026 (-5.12%) Land $110,000 Building $521,026 |
| 2024 | $7,383.00 (+1.01%) Homeowner's exemption | $480,936 (+3%) | $665,094 (+5.6%) Land $120,000 Building $545,094 |
| 2023 | $7,309.00 (+2.05%) Homeowner's exemption | $466,928 (+3%) | $629,832 (+14.78%) Land $120,000 Building $509,832 |
| 2022 | $7,162.00 Homeowner's exemption | $453,328 | $548,739 Land $100,800 Building $447,939 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| 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 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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