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320 Ryder Cup Cir, Unit 101, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 320 Ryder Cup Cir, Unit 101, Saint Augustine, FL 32092

Property Summary

Property TypeCondominium
Details2 bd · 2 ba · 1,102 sqft · built 2005
OwnerIndividual Name on Record
Last Sale$175,000 (Jul 2020)
Tax Bill$1,648 (2025)
Deeds & MortgagesJul 2020 Sale
Apr 2020 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN028220-7123

Property Details

APN / Parcel Number

Primary APN028220-7123

Interior

Bedrooms2 Beds
Full Baths2 Baths
Units27 Units
Building Area1,102 sqft Living Area
1st Floor Area1,102 sqft

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005

Location & Zoning

Street Address320 RYDER CUP CIR, 101
CitySAINT AUGUSTINE
StateFL
Zip32092-4711
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionLEGENDS AT ST JOHNS CONDO PH 3 (OR1993/1091 & 2754/157) BLDG 7 UN 101 (C102) OR4980/1349
Legal Range28E
Legal Township06S
Legal Section38
Legal SubdivisionLEGENDS AT ST JOHNS BLDG 7
Legal Phase3
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group3
Census Block3008
Census Tract20908

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address320 RYDER CUP CIR, 101, SAINT AUGUSTINE, FL 32092-4711
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 2, 2020Warranty Deed, Transfer
WATSON TITLE SERVICES/N FL INC, WATSON TITLE SVCS/N FL INC
Apr 15, 2020Warranty Deed, Transfer
ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT
Nov 6, 2019Warranty Deed, Transfer · Conventional with PMI
RESOURCE FIN'L SVC
Sep 10, 2018Warranty Deed, Transfer · Conventional Mortgage
BANK OF ENGLAND

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 2, 2020 · Amount on Record
Deed SaleJul 2, 2020 · Amount on Record
Prior SaleApr 15, 2020 · Amount on Record
Deed Document Number202053085
Deed Book / Page4980 / 1349
Record UpdatedSep 20, 2026

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJul 2, 2020
Property Address320 RYDER CUP CIR UNIT 101, 101, SAINT AUGUSTINE, FL 32092-4711
Document Number0049801349
Book / Page004980 / 001349
Instrument DateJun 26, 2020
Instrument53085
Transaction TypeTransfer
Record UpdatedAug 14, 2020
Title CompanyWATSON TITLE SERVICES/N FL INC, WATSON TITLE SVCS/N FL INC

Transaction

AmountAmount Recorded
Tax$1,225.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address320 RYDER CUP CIR #101 ST AUGUSTINE FL 320924711, 101, ST AUGUSTINE, FL 32092-4711

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateApr 15, 2020
Property Address320 RYDER CUP CIR UNIT 101, 101, SAINT AUGUSTINE, FL 32092-4711
Document Number0049230897
Book / Page004923 / 000897
Instrument DateApr 14, 2020
Instrument29379
Transaction TypeTransfer
Record UpdatedJun 24, 2020
Title CompanyACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT

Transaction

AmountAmount Recorded
Tax$1,225.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address320 RYDER CUP CIR #101 ST AUGUSTINE FL 320924711, 101, ST AUGUSTINE, FL 32092-4711

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateNov 6, 2019
Property Address320 RYDER CUP CIR UNIT 101, 101, SAINT AUGUSTINE, FL 32092-4711
Document Number0048270075
Book / Page004827 / 000075
Instrument DateOct 31, 2019
Instrument83185
Transaction TypeTransfer
Record UpdatedNov 20, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,323.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address320 RYDER CUP CIR #211 ST AUGUSTINE FL 320924712, 211, ST AUGUSTINE, FL 32092-4712

Mortgage

Document Number48270077
DateNov 6, 2019
Book Page004827/000077
Instrument83186
Lender
NameRESOURCE FIN'L SVC
TypeFunding / Finance Company
AddressCOLUMBIA, SC 29205
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueNov 5, 2049

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateSep 10, 2018
Property Address320 RYDER CUP CIR UNIT 101, 101, SAINT AUGUSTINE, FL 32092-4711
Document Number0046091590
Book / Page004609 / 001590
Instrument DateSep 5, 2018
Instrument65559
Transaction TypeTransfer
Record UpdatedSep 19, 2018
Title CompanyLANDMARK TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,119.30
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address320 RYDER CUP CIR #101 ST AUGUSTINE FL 320924711, 101, ST AUGUSTINE, FL 32092-4711

Mortgage

Document Number46091592
DateSep 10, 2018
Book Page004609/001592
Instrument65560
Lender
NameBANK OF ENGLAND
TypeBank
AddressLITTLE ROCK, AR 72201
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 9, 2048

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$165,486 (+2.7%) Building $165,486$200,850 (-) Building $200,850
2025$1,648.00 (+12.26%) Homeowner's exemption$161,135 (+5.99%)$200,850 (-8.04%)
2024$1,468.00 (+2.66%)
2023$1,430.00 (+3.17%) Homeowner's exemption$152,033 (+3%)$218,401 (+28.51%)
2022$1,386.00 Homeowner's exemption$147,605$169,950

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 175 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies175 in force
Nearby Flood Claims1 (2017)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.08% annual chance
ExposureDirect
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 SystemSJCU-NORTHWEST UTILITIES WTP
serves 48,040 people · EPA ID FL2554471
Water SourceGroundwater
Last State InspectionJun 2024
Also Mapped HereSJCU-CR214 MAINLAND WTP
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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

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