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  6. 320 Ryder Cup Cir

320 Ryder Cup Cir, Unit 104, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 320 Ryder Cup Cir, Unit 104, Saint Augustine, FL 32092

Property Summary

Property TypeCondominium
Details2 bd · 2 ba · 1,102 sqft · built 2005
OwnerIndividual Name on Record
Last Sale$210,000 (Jun 2026)
Tax Bill$1,628 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
Jul 2019 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN028220-7143

Property Details

APN / Parcel Number

Primary APN028220-7143

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, 104
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 104 (C104) OR4757/1622
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, 104, SAINT AUGUSTINE, FL 32092-4711
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 3, 2026Warranty Deed, Transfer · Conventional Mortgage
COWFORD TITLE LLC, COWFORD TITLE
Jul 12, 2019Warranty Deed, Transfer
LAND TITLE/AMERICA INC
Jan 31, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 3, 2026 · Amount on Record
Deed SaleJun 3, 2026 · Amount on Record
Prior SaleJul 12, 2019 · Amount on Record
Deed Document Number202647360
Deed Book / Page6376 / 453
Prior Transfer DateJul 12, 2017
Prior Transfer Doc0044961686
Record UpdatedOct 29, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJun 3, 2026
Property Address320 RYDER CUP CIR, 104, SAINT AUGUSTINE, FL 32092-4711
Document Number0000047360
Book / Page6376 / 453
Instrument DateMay 29, 2026
Instrument202647360
Transaction TypeTransfer
Record UpdatedJun 15, 2026
Title CompanyCOWFORD TITLE LLC, COWFORD TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$148,470.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address320 RYDER CUP CIR, 104, SAINT AUGUSTINE, FL 32092-4711

Mortgage

Document Number0000047361,
DateJun 3, 2026
Instrument202647361
Lender
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2056
Interest
Rate TypeFixed Rate
Rate6.23%
Initial TypeFixed Rate
Max Rate-1%

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJul 12, 2019
Property Address320 RYDER CUP CIR UNIT 104, 104, SAINT AUGUSTINE, FL 32092-4711
Document Number0047571622
Book / Page004757 / 001622
Instrument DateJul 8, 2019
Instrument49928
Transaction TypeTransfer
Record UpdatedJul 26, 2019
Title CompanyLAND TITLE/AMERICA INC

Transaction

AmountAmount Recorded
Tax$1,134.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address320 RYDER CUP CIR #104 ST AUGUSTINE FL 320924711, 104, ST AUGUSTINE, FL 32092-4711

January 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST JOHNS FL
Recording DateJan 31, 2018
Property Address320 RYDER CUP CIR UNIT 104, 104, SAINT AUGUSTINE, FL 32092-4711
Document Number0044961686
Book / Page004496 / 001686
Instrument DateJul 12, 2017
Instrument6759
Transaction TypeTransfer
Record UpdatedFeb 9, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address427 GLEN HILL DR SAUNDERSTOWN RI 028741928, SAUNDERSTOWN, RI 02874-1928

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$163,933 (+2.7%) Building $163,933$195,000 (-) Building $195,000
2025$1,628.00 (+12.28%) Homeowner's exemption$159,623 (+2.9%)$195,000 (-8.04%)
2024$1,450.00 (+2.69%) Homeowner's exemption$155,124 (+3%)$212,040 (-)
2023$1,412.00 (+3.22%) Homeowner's exemption$150,606 (+3%)$212,040 (+28.51%)
2022$1,368.00 Homeowner's exemption$146,219$165,000

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 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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