St. Johns County property record for 2991 Bay St, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,040 sqft · built 1995 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Sep 2023) |
| Tax Bill | $2,120 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Sep 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083550-0000 |
| Primary APN | 083550-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 145 ft deep x 50 ft wide |
| Porch | Finished/Open Porch |
| Porch Area | 52 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2991 BAY ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-1950 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1-19 (3) SHEPPARD CROSBY SUB PT OF LOT 1 BLK 3 - AKA LOT 26 OF MIDDLETONS UNREC PLAT OF BLK 3 OR5819/492 |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 02 |
| Legal Subdivision | MIDDLETON UNPLATTED SUBDIVISION OF SHEPA |
| Legal Block | 3 |
| Legal Lot Number | 1,26 |
| 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 083550-0000
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2991 BAY ST, SAINT AUGUSTINE, FL 32084-1950 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 26, 2026 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Sep 01, 2023 | Warranty Deed, Transfer · Conventional Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Sep 11, 2019 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MTG |
| Jun 08, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 01, 2023 · Amount on Record |
| Deed Sale | Sep 01, 2023 · Amount on Record |
| Prior Sale | Dec 29, 2016 · Amount on Record |
| Deed Document Number | 202369556 |
| Deed Book / Page | 5819 / 492 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2991 BAY ST, SAINT AUGUSTINE, FL 32084-1950 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2991 BAY ST, SAINT AUGUSTINE, FL 32084-1950 |
| Document Number | 0063120837 |
|---|---|
| Date | Feb 26, 2026 |
| Book Page | 6312/837 |
| Instrument | 2026016161 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 01, 2023 |
| Property Address | 2991 BAY ST, SAINT AUGUSTINE, FL 32084-1950 |
| Document Number | 0058190492 |
| Book / Page | 5819 / 492 |
| Map Reference | MB 1 PG 19 |
| Instrument Date | Sep 01, 2023 |
| Instrument | 2023069556 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2023 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 33 VANDEWATER DR, WAPPINGERS FALLS, NY 12590-6123 |
| Name | Verified Name |
|---|---|
| Address | 2991 BAY ST, SAINT AUGUSTINE, FL 32084-1950 |
| Document Number | 0005819497 |
|---|---|
| Date | Sep 01, 2023 |
| Instrument | 5819/497 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 11, 2019 |
| Property Address | 2991 BAY ST, SAINT AUGUSTINE, FL 32084-1950 |
| Document Number | 0047921964 |
| Book / Page | 004792 / 001964 |
| Instrument Date | Sep 10, 2019 |
| Instrument | 67146 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2019 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 33 VANDEWATER DR WAPPINGERS FALLS NY 125906123, WAPPINGERS FALLS, NY 12590-6123 |
| Document Number | 47921966 |
|---|---|
| Date | Sep 11, 2019 |
| Book Page | 004792/001966 |
| Instrument | 67147 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 10, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 08, 2018 |
| Property Address | 2991 BAY ST, SAINT AUGUSTINE, FL 32084-1950 |
| Document Number | 0045601136 |
| Book / Page | 004560 / 001136 |
| Instrument Date | Jun 07, 2018 |
| Instrument | 40113 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1305 WILD PINE DR ST AUGUSTINE FL 320848562, ST AUGUSTINE, FL 32084-8562 |
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 | $180,650 (+2.7%) | $182,571 (+3.79%) Land $39,750 Building $142,821 | |
| 2025 | $2,120.00 (-10.09%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $175,901 (-13.98%) | $175,901 (-13.98%) Land $39,750 Building $136,151 |
| 2024 | $2,358.00 (-8.39%) | ||
| 2023 | $2,574.00 (+7.25%) | $204,491 (+6.14%) | $204,491 (+6.14%) Land $34,450 Building $170,041 |
| 2022 | $2,400.00 | $192,659 | $192,659 Land $27,295 Building $165,364 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), as of September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209033, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, 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 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, water system FL2550210, 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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