2970 Lewis Speedway, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 2970 Lewis Speedway, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,808 sqft · built 1995
Lot Size	1.07 acres (46,609 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Apr 2026)
Tax Bill	$9,150 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Apr 2026 Sale & Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`103010-0041`

Property Details

APN / Parcel Number

Primary APN	`103010-0041`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	2 Stories
Building Area	2,808 sqft Living Area
Gross Area	3,048 sqft
1st Floor Area	1,189 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	46,609 sqft (1.07 acres)

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	380 sqft
Deck Area	Deck Area
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2970 LEWIS SPEEDWAY
City	SAINT AUGUSTINE
State	FL
Zip	32084-8639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2-4A PT OF GRANT TO JOSEPH DELESPINE LYING E OF CR16-A 203FT ON ROAD OR5777/531
Legal Range	29E
Legal Township	07S
Legal Section	56
Legal Subdivision	JOSEPH DELESPINE GRANT
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2031
Census Tract	20903

Owner

Source: St. Johns County records, as of April 28, 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	2970 LEWIS SPEEDWAY, ST AUGUSTINE, FL 32084-8639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit COMMUNITY FIRST CREDIT UNION OF FLORIDA
Apr 16, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 19, 2023	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
May 17, 2023	Intrafamily Transfer, Transfer
Jun 7, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 22, 2022	Intrafamily Transfer, Transfer
Sep 9, 2020	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MTG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Jun 19, 2023 · Amount on Record
Deed Document Number	202632562
Deed Book / Page	6345 / 1189
Prior Transfer Date	Oct 24, 2022
Prior Transfer Doc	0056680598
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639

Mortgage

Document Number	0054940152
Date	Feb 15, 2022
Book Page	5494/152
Instrument	2022017078

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 16, 2026
Property Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639
Document Number	0000032562
Book / Page	6345 / 1189
Instrument Date	Apr 15, 2026
Instrument	2026.32562
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	SEA GLASS TITLE LLC, SEA GLASS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$565,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639

Mortgage

Document Number	0000032563,
Date	Apr 16, 2026
Book Page	6345/1192
Instrument	2026.32563

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 19, 2023
Property Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639
Document Number	0057770531
Book / Page	5777 / 531
Map Reference	MB 1155 PG 414
Instrument Date	Jun 16, 2023
Instrument	2023047337
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	SEA GLASS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639
Investor	Possibly a Property Investor

Mortgage

Document Number	0005777534
Date	Jun 19, 2023
Instrument	5777/534

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	May 17, 2023
Property Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639
Document Number	0057590580
Book / Page	5759 / 580
Map Reference	MB 1155 PG 414
Instrument Date	May 17, 2023
Instrument	2023037946
Transaction Type	Transfer
Record Updated	Jun 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2970 LEWIS SPEEDWAY, ST AUGUSTINE, FL 32084-8639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 7, 2023
Property Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639
Document Number	0057701707
Book / Page	5770 / 1707
Map Reference	MB 1155 PG 414
Instrument Date	Apr 22, 2023
Instrument	2023043721
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2970 LEWIS SPEEDWAY, ST AUGUSTINE, FL 32084-8639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2842 COASTAL HWY, ST AUGUSTINE, FL 32084-2308

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Nov 22, 2022
Property Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639
Document Number	0056680598
Book / Page	5668 / 598
Map Reference	OR 4438 PG 1219
Instrument Date	Oct 24, 2022
Instrument	2022106644
Transaction Type	Transfer
Record Updated	Jun 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	2970 LEWIS SPEEDWAY, SAINT AUGUSTINE, FL 32084-8639
Document Number	0051631427
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 LEWIS SPEEDWAY ST AUGUSTINE FL 320848639, ST AUGUSTINE, FL 32084-8639

Mortgage

Document Number	0051631427
Date	Jan 28, 2021
Book Page	005163/001427
Instrument	9741

Lender

Name	ACCELERATE MTG LLC
Address	NEWARK, DE 19713

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2051

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$621,200 (-4.7%) Land $150,000 Building $471,200	$621,200 (-4.7%) Land $150,000 Building $471,200
2025	$9,150.00 (+10.39%)	$651,847 (+2.22%)	$651,847 (+2.22%) Land $150,000 Building $501,847
2024	$8,289.00 (+3,163.39%)	$637,707 (+88%)	$637,707 (+38.7%) Land $150,000 Building $487,707
2023	$254.00 (+7.63%) Disabled Person's exemption Veteran's exemption	$339,205 (+3%)	$459,780 (+20.05%) Land $125,000 Building $334,780
2022	$236.00 Disabled Person's exemption Veteran's exemption	$329,325	$382,996 Land $95,200 Building $287,796

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 136 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	23 (2016–2022)
Claims Outside the SFHA	1 of 23
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Nicole, Nov 2022 · 7 claims Hurricane Ian, Sep 2022 · 4 claims Hurricane Irma, Sep 2017 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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