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32 Reef Bay Ct, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 32 Reef Bay Ct, Saint Augustine, FL 32092 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,312 sqft · built 2016
Lot Size0.3 acres (13,068 sqft)
OwnerCompany Name on File
Last Sale$382,000 (Jul 2019)
Tax Bill$6,518 (2025)
Deeds & MortgagesMay 2026 Mortgage
Oct 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN026551-4760

Property Details

APN / Parcel Number

Primary APN026551-4760

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,312 sqft Living Area
Gross Area3,840 sqft
1st Floor Area2,004 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,068 sqft (0.3 acres)
Garage TypeAttached
Garage Area528 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address32 REEF BAY CT
CitySAINT AUGUSTINE
StateFL
Zip32092-3223
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description70/66-72 GLEN ST JOHNS PHASE 2B LOT 476
Legal Range28
Legal Township05
Legal Section28
Legal SubdivisionGLEN ST. JOHNS PHASE 2B
Legal Phase2B
Legal Block1
Legal Lot Number476
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2008
Census Tract20908

Owner

Source: St. Johns County records · APN 026551-4760

Assessment roll updated April 13, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
May 19, 2026Deed of Trust, Mortgage · Conventional Mortgage
VYSTAR CREDIT UNION
Oct 19, 2021Deed of Trust, Mortgage · Conventional Mortgage
AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 10, 2019 · Amount on Record
Deed SaleJul 10, 2019 · Amount on Record
Prior SaleJun 20, 2016 · Amount on Record
Deed Document Number201949120
Deed Book / Page4756 / 476
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Recording DateMay 19, 2026
Property Address32 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223
Document Number0000042923
Book / Page6366 / 1129
Instrument DateMay 14, 2026
Instrument202642923
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address32 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223

Mortgage

Document Number0000042923,
DateMay 19, 2026
Book Page6366/1129
Instrument202642923
Lender
NameVYSTAR CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 01, 2041
Interest
Rate TypeFixed Rate
Rate5.65%
Initial TypeFixed Rate
Max Rate-1%

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address32 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address32 REEL BAY CT, ST AUGUSTINE, FL 32092-3223

Mortgage

Document Number0053961494
DateOct 19, 2021
Book Page5396/1494
Instrument2021113558
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
AddressATLANTA, GA 30305
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueSep 01, 2051

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$401,736$527,307 Land $100,000 Building $427,307
2025$6,518.00 (+9.29%)
2024$5,964.00 (+4.03%)
2023$5,733.00 (+7.93%)
2022$5,312.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 103 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies103 in force

Wildfire

Wildfire RiskModerate
above 59% of the US · above 31% of Florida
Wildfire LikelihoodAbout 1 in 671 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 210 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityFiber2,000 / 2,000
AT&TFiber1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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