321 Vicki Towers Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 321 Vicki Towers Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,353 sqft · built 2006
Lot Size	1.03 acres (44,866 sqft)
Owner	2 Individual Names on File
Last Sale	$969,000 (Jun 2023)
Tax Bill	$10,938 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Dec 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010763-0250`

Property Details

APN / Parcel Number

Primary APN	`010763-0250`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,353 sqft Living Area
Gross Area	4,456 sqft
1st Floor Area	2,999 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,866 sqft (1.03 acres)
Garage Type	Attached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	612 sqft
Porch	Finished Screened Porch
Porch Area	345 sqft
Deck Area	Deck Area
Patio Area	476 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	321 VICKI TOWERS DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-1757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD
Legal Description	53/9-24 BARTRAM DOWNS UNIT THREE LOT 25 OR5776/1804
Legal Range	27E
Legal Township	06S
Legal Section	12
Legal Subdivision	BARTRAM DOWNS UNIT THREE
Legal Block	1
Legal Lot Number	25
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1026
Census Tract	20908

Owner

321 Vicki Towers Dr is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 VICKI TOWERS DR, SAINT AUGUSTINE, FL 32092-1757
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

Date	Document
Jun 19, 2023	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP
Dec 20, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Dec 17, 2018	Warranty Deed, Transfer · Conventional Mortgage NATIONS LNDG
Jul 6, 2017	Warranty Deed, Transfer · Conventional Mortgage JRDB INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2023 · Amount on File
Deed Sale	Jun 19, 2023 · Amount on File
Prior Sale	Dec 17, 2018 · Amount on File
Deed Document Number	202347137
Deed Book / Page	5776 / 1804
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 19, 2023
Property Address	321 VICKI TOWERS DR, SAINT AUGUSTINE, FL 32092-1757
Document Number	0057761804
Book / Page	5776 / 1804
Map Reference	MB 53 PG 9-24
Instrument Date	May 3, 2023
Instrument	2023047137
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,783.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3985 26TH AVE SE, NAPLES, FL 34117-8869

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 VICKI TOWERS DR, SAINT AUGUSTINE, FL 32092-1757

Mortgage

Document Number	0057761806
Date	Jun 19, 2023
Instrument	5776/1806

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	321 VICKI TOWERS DR, SAINT AUGUSTINE, FL 32092-1757
Transaction Type	Mortgage
Record Updated	Jan 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 VICKI TOWERS DR, ST AUGUSTINE, FL 32092-1757

Mortgage

Document Number	0056820932
Date	Dec 20, 2022
Book Page	5682/932
Instrument	2022114003

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	321 VICKI TOWERS DR, SAINT AUGUSTINE, FL 32092-1757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050221211
Date	Aug 21, 2020
Book Page	5022/1211
Instrument	2020070472

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	321 VICKI TOWERS DR, SAINT AUGUSTINE, FL 32092-1757
Document Number	0047021186
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	321 VICKI TOWERS DR ST AUGUSTINE FL 320921757, ST AUGUSTINE, FL 32092-1757

Mortgage

Document Number	0047021186
Date	Apr 2, 2019
Book Page	004702/001186
Instrument	21956

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 17, 2018
Property Address	321 VICKI TOWERS DR, SAINT AUGUSTINE, FL 32092-1757
Document Number	0046550202
Book / Page	004655 / 000202
Instrument Date	Dec 6, 2018
Instrument	89695
Transaction Type	Transfer
Record Updated	Jan 3, 2019
Title Company	ANCHOR TITLE AND LAW PA, ANCHOR TITLE & LAW PA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,130.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	321 VICKI TOWERS DR ST AUGUSTINE FL 320921757, ST AUGUSTINE, FL 32092-1757

Mortgage

Document Number	46550204
Date	Dec 17, 2018
Book Page	004655/000204
Instrument	89696

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2048

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 6, 2017
Property Address	321 VICKI TOWERS DR, SAINT AUGUSTINE, FL 32092-1757
Document Number	0043991847
Book / Page	4399 / 1847
Map Reference	MB53 PG9-24
Instrument Date	Jun 27, 2017
Instrument	2017046267
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	OLDE TOWNE TITLE & GUARANTY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4225 AJA S1137, 4225, SAINT AUGUSTINE, FL 32080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 VICKI TOWERS DR, SAINT AUGUSTINE, FL 32092-1757

Mortgage

Document Number	2017046268
Date	Jul 6, 2017
Instrument	2017046268

Lender

Name	JRDB INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 321 Vicki Towers Dr was $10,938, up 11.4% 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		$782,118 (-0.66%) Land $330,000 Building $452,118	$782,118 (-0.66%) Land $330,000 Building $452,118
2025	$10,938.00 (+11.38%)	$787,350 (+3.23%)	$787,350 (+3.23%) Land $330,000 Building $457,350
2024	$9,820.00 (+68.5%)	$762,748 (+59.39%)	$762,748 (+1.2%) Land $330,000 Building $432,748
2023	$5,828.00 (+2.62%) Homeowner's exemption	$478,544 (+3%)	$753,739 (+7.17%) Land $305,000 Building $448,739
2022	$5,679.00 Homeowner's exemption	$464,606	$703,312 Land $201,600 Building $501,712

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 321 Vicki Towers Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 121 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	121 in force
Nearby Flood Claims	28 (2008–2024)
Claims Outside the SFHA	6 of 28
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 15 claims Hurricane Matthew, Oct 2016 · 8 claims

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 321 Vicki Towers Dr is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 64% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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