322 Silver Reef Ln, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 322 Silver Reef Ln, Saint Augustine, FL 32095 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2020
Square Footage	2,268 sqft Living Area
Lot Size	11,761 sqft (0.27 acres)
Occupancy	Owner Occupied
Last Sale	$365,500 (2020)
Tax Bill	$5,921.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`023713-3620`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Building Area	2,268 sqft Living Area
Gross Area	3,034 sqft Gross Area
1st Floor	2,268 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	11,761 sqft (0.27 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	616 sqft Garage
Patio Area	611 sqft Patio
Porch Area	150 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	322 SILVER REEF LN
City	SAINT AUGUSTINE
State	FL
Zip	32095-7591
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	96/81-95 CREEKSIDE AT TWIN CREEKS PHASE 2B LOT 362 OR5123/1046
Legal Range	28E
Legal Township	05S
Legal Section	14
Legal Subdivision	CREEKSIDE AT TWIN CREEKS PHASE 2B
Legal Phase	2B
Legal Block	1
Legal Lot Number	362
Jurisdiction	ST JOHNS FL
Minor Civil Division	ST. AUGUSTINE
Census Blockgroup	2
Census Block	2043
Census Tract	20904

Owner

Source: St. Johns County records · APN 023713-3620

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	322 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7591
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 14, 2020 · Amount on Record
Deed Sale	Dec 14, 2020 · Amount on Record
Deed Doc Number	2020113524
Deed Book / Page	5123 / 1046
Record Refreshed	Jun 08, 2026

December 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 14, 2020
Property Address	322 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7591
Document Number	0051231046
Book / Page	5123 / 1046
Map Reference	MB 96 PG 81
Instrument Date	Nov 20, 2020
Instrument	2020113524
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 28, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,558.50
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7591

Mortgage

Document Number	0051231050
Date	Dec 14, 2020
Instrument	5123/1050

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$346,429 (+2.7%)	$442,559 (-0.43%) Land $110,000 Building $332,559
2025	$5,921.00 (+8.92%) Homeowner's exemption	$337,321 (+2.9%)	$444,467 (-2.77%) Land $105,000 Building $339,467
2024	$5,436.00 (+0.76%) Homeowner's exemption	$327,814 (+3%)	$457,149 (+20.48%) Land $105,000 Building $352,149
2023	$5,395.00 (+2.02%) Homeowner's exemption	$318,266 (+3%)	$379,442 (+2.28%) Land $95,000 Building $284,442
2022	$5,288.00 Homeowner's exemption	$308,996	$370,968 Land $84,000 Building $286,968

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Moderate above 57% of the US · above 29% of Florida
Wildfire Likelihood	About 1 in 877 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.