St. Johns County property record for 2975 Bay St, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,286 sqft · built 1962 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on File |
| Last Sale | $337,500 (Sep 2025) |
| Tax Bill | $2,818 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083570-0000 |
| Primary APN | 083570-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,286 sqft Living Area |
| Gross Area | 1,700 sqft |
| 1st Floor Area | 1,040 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 145 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 414 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 172 sqft |
| Deck Area | 180 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2975 BAY ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-1950 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 1-19 (5) SHEPARD-CROSBY SUB PT OF LOTS 1 & 3 BLK 3 144.86 X 100FT OR 214/35 (AKA LOTS 28 & 29 MIDDLETONS UNREC PLAT) OR6214/793 |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 02 |
| Legal Subdivision | MIDDLETON UNPLATTED SUBDIVISION OF SHEPA |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 20903 |
Source: St. Johns County records · APN 083570-0000
Assessment roll updated April 13, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 2975 BAY ST, SAINT AUGUSTINE, FL 32084-1950 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Aug 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Oct 08, 2021 | Warranty Deed, Transfer · FHA Mortgage GREENWAY MORTGAGE FUNDING CORP |
| May 23, 2019 | Warranty Deed, Transfer · Conventional with PMI LAKEVIEW LN SERVICING |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 03, 2025 · Amount on Record |
| Deed Sale | Sep 03, 2025 · Amount on Record |
| Prior Sale | Oct 08, 2021 · Amount on Record |
| Deed Document Number | 202571676 |
| Deed Book / Page | 6214 / 793 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2975 BAY ST, SAINT AUGUSTINE, FL 32084-1950 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0050220861 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 5022/861 |
| Instrument | 2020070391 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 08, 2021 |
| Property Address | 2975 BAY ST, SAINT AUGUSTINE, FL 32084-1950 |
| Document Number | 0053900548 |
| Book / Page | 5390 / 548 |
| Map Reference | MB 1 PG 19 |
| Instrument Date | Oct 08, 2021 |
| Instrument | 2021110388 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | KNIGHT BARRY TITLE SLN INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,939.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 188 ORIENT DR, SAINT AUGUSTINE, FL 32092-0838 |
| Name | Verified Name |
|---|---|
| Address | 2975 BAY ST, ST AUGUSTINE, FL 32084-1950 |
| Document Number | 0005390550 |
|---|---|
| Date | Oct 08, 2021 |
| Instrument | 5390/550 |
| Name | GREENWAY MORTGAGE FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Number | 0053900565 |
|---|---|
| Date | Oct 08, 2021 |
| Book Page | 5390/565 |
| Instrument | 2021110390 |
| Name | GREENWAY MORTGAGE FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, NJ 07748 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 23, 2019 |
| Property Address | 2975 BAY ST, SAINT AUGUSTINE, FL 32084-1950 |
| Document Number | 0047290001 |
| Book / Page | 004729 / 000001 |
| Instrument Date | May 13, 2019 |
| Instrument | 35818 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2019 |
| Title Company | GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,274.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2975 BAY ST ST AUGUSTINE FL 320841950, ST AUGUSTINE, FL 32084-1950 |
| Document Number | 47290003 |
|---|---|
| Date | May 23, 2019 |
| Book Page | 004729/000003 |
| Instrument | 35819 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 22, 2049 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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 | $171,053 (-23.11%) | $266,035 (+7.55%) Land $79,500 Building $186,535 | |
| 2025 | $2,818.00 (+13.63%) Homeowner's exemption | $222,476 (+2.9%) | $247,348 (-14.21%) Land $79,500 Building $167,848 |
| 2024 | $2,480.00 (+2.14%) Homeowner's exemption | $216,206 (+3%) | $288,310 (-0.9%) Land $68,900 Building $219,410 |
| 2023 | $2,428.00 (+3.32%) Homeowner's exemption | $209,909 (+3%) | $290,922 (+9.13%) Land $68,900 Building $222,022 |
| 2022 | $2,350.00 Homeowner's exemption | $203,795 | $266,573 Land $54,590 Building $211,983 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 18 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: IQ Fiber Intermediate Holdings.
Based on FCC filings for 279 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. AUGUSTINE WS serves 43,069 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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 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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