315 Ryder Cup Cir, Unit 103, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 315 Ryder Cup Cir, Unit 103, Saint Augustine, FL 32092

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,055 sqft · built 2005
Owner	2 Individual Names on Record
Last Sale	$150,000 (Jul 2020)
Tax Bill	$2,882 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028220-8145`

Property Details

APN / Parcel Number

Primary APN	`028220-8145`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	15 Units
Building Area	1,055 sqft Living Area
1st Floor Area	1,055 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005

Location & Zoning

Street Address	315 RYDER CUP CIR, 103
City	SAINT AUGUSTINE
State	FL
Zip	32092-4708
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LEGENDS AT ST JOHNS CONDO PH 2 (OR1993/1091 & OR2573/63) BLDG 8 UN 103 (E104) & GAR DGR4-5 OR5003/731
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	LEGENDS AT ST JOHNS BLDG 8
Legal Phase	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3013
Census Tract	20908

Owner

Source: St. Johns County records, as of June 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	601 MCKENZIE OAK LN, SAINT AUGUSTINE, FL 32095-6861
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2020 · Amount on Record
Deed Sale	Jul 31, 2020 · Amount on Record
Prior Sale	Oct 10, 2005 · Amount on Record
Deed Document Number	202062315
Deed Book / Page	5003 / 731
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 31, 2020
Property Address	315 RYDER CUP CIR UNIT 103, 103, SAINT AUGUSTINE, FL 32092-4708
Document Number	0050030731
Book / Page	5003 / 731
Map Reference	MB 1993 PG 1091
Instrument Date	Jul 24, 2020
Instrument	2020062315
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10448 CHRISTOPHER DR, 10448, CONIFER, CO 80433-8820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 RYDER CUP CIR UNIT 103, 103, SAINT AUGUSTINE, FL 32092-4708

Mortgage

Document Number	5003733
Date	Jul 31, 2020
Instrument	5003/733

Lender

Name	MEGASTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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		$214,000 (-) Building $214,000	$214,000 (-) Building $214,000
2025	$2,882.00 (+9.5%)	$214,000 (-3.65%)	$214,000 (-3.65%)
2024	$2,632.00 (+0.77%)	$222,100 (-6.26%)	$222,100 (-6.26%)
2023	$2,612.00 (+15.47%)	$236,930 (+24.05%)	$236,930 (+24.05%)
2022	$2,262.00	$191,000	$191,000

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

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 175 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	175 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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	0.08% 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	SJCU-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20