320 Cedar Elm Way, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 320 Cedar Elm Way, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,157 sqft · built 2024
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$465,500 (Nov 2024)
Tax Bill	$5,053 (2025)
Deeds & Mortgages	Nov 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027984-0810`

Property Details

APN / Parcel Number

Primary APN	`027984-0810`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,157 sqft Living Area
Gross Area	2,585 sqft
1st Floor Area	1,043 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 CEDAR ELM WAY
City	SAINT AUGUSTINE
State	FL
Zip	32092-3552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	109/69-80 SILVERLEAF 29B-1 LOT 81 OR6052/437
Legal Range	28
Legal Township	06
Legal Section	38
Legal Subdivision	SILVERLEAF 29B-1
Legal Block	1
Legal Lot Number	81
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4000
Census Tract	20908

Owner

Source: St. Johns County records · APN 027984-0810

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	320 CEDAR ELM WAY, SAINT AUGUSTINE, FL 32092-3552
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 14, 2024 · Amount on Record
Deed Sale	Nov 14, 2024 · Amount on Record
Deed Document Number	202489099
Deed Book / Page	6052 / 437
Record Updated	Jun 08, 2026

November 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 14, 2024
Property Address	320 CEDAR ELM WAY, SAINT AUGUSTINE, FL 32092-3552
Document Number	0060520437
Book / Page	6052 / 437
Map Reference	MB 109 PG 69-80
Instrument Date	Oct 30, 2024
Instrument	2024089099
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,258.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10255 FORTUNE PKWY # 150, 150, JACKSONVILLE, FL 32256-6502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CEDAR ELM WAY, SAINT AUGUSTINE, FL 32092-3552

Mortgage

Document Number	2024089100
Date	Nov 14, 2024
Instrument	2024089100

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2054

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$382,745 (-1.65%) Land $96,000 Building $286,745	$382,745 (-2.21%) Land $96,000 Building $286,745
2025	$5,053.00 (+470.96%) Homeowner's exemption	$389,158 (+289.16%)	$391,389 (+291.39%) Land $96,000 Building $295,389
2024	$885.00 (+55.81%)	$100,000 (+123.21%)	$100,000 (+123.21%) Land $100,000
2023	$568.00 (-0.87%)	$44,800 (-)	$44,800 (-) Land $44,800
2022	$573.00	$44,800	$44,800 Land $44,800

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 121090209084, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 110 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 in force 48 of 110 on primary residences

Wildfire

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	About 1 in 389 per year
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.