320 Ryder Cup Cir, Unit 108, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 320 Ryder Cup Cir, Unit 108, Saint Augustine, FL 32092

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,102 sqft · built 2005
Owner	Individual Name on File
Last Sale	$220,000 (Jun 2021)
Tax Bill	$2,197 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028220-7113`

Property Details

APN / Parcel Number

Primary APN	`028220-7113`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	27 Units
Building Area	1,102 sqft Living Area
1st Floor Area	1,102 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005

Location & Zoning

Street Address	320 RYDER CUP CIR, 108
City	SAINT AUGUSTINE
State	FL
Zip	32092-4711
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LEGENDS AT ST JOHNS CONDO PH 3 (OR1993/1091 & 2754/157) BLDG 7 UN 108 (C101) & GARAGE DG5-7 (LCE) OR5289/1334
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	LEGENDS AT ST JOHNS BLDG 7
Legal Phase	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3008
Census Tract	20908

Owner

320 Ryder Cup Cir, Unit 108 is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	320 RYDER CUP CIR, 108, SAINT AUGUSTINE, FL 32092-4711
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2021 · Amount on File
Deed Sale	Jun 11, 2021 · Amount on File
Prior Sale	Nov 6, 2006 · Amount on File
Deed Document Number	202165899
Deed Book / Page	5289 / 1334
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 11, 2021
Property Address	320 RYDER CUP CIR UNIT 108, 108, SAINT AUGUSTINE, FL 32092-4711
Document Number	0052891334
Book / Page	5289 / 1334
Map Reference	MB 1993 PG 1091
Instrument Date	Jun 9, 2021
Instrument	2021065899
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1034 HUNTERS LAKE DR, 1034, JOHNSON CITY, TN 37604-8324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 RYDER CUP CIR UNIT 108, 108, ST AUGUSTINE, FL 32092-4711

Mortgage

Document Number	52891336
Date	Jun 11, 2021
Instrument	5289/1336

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 320 Ryder Cup Cir, Unit 108 was $2,197 with a homeowner's exemption, up 11.8% from the year before.

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		$207,354 (+2.7%) Building $207,354	$220,850 (-) Building $220,850
2025	$2,197.00 (+11.81%) Homeowner's exemption	$201,903	$220,850
2024	$1,965.00 (+2.45%)
2023	$1,918.00 (+2.9%) Homeowner's exemption	$190,498 (+3%)	$240,501 (+30.04%)
2022	$1,864.00 Homeowner's exemption	$184,950	$184,950

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

Flood

FEMA maps place 320 Ryder Cup Cir, Unit 108 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File 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

Wildfire risk around 320 Ryder Cup Cir, Unit 108 is moderate, ranking above 45% of the US, with a 0.08% annual chance of 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