323 Rio del Norte Rd, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 323 Rio del Norte Rd, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,464 sqft · built 2015
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Aug 2020)
Tax Bill	$17,150 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`072143-0180`

Property Details

APN / Parcel Number

Primary APN	`072143-0180`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Stories	1 Story
Building Area	3,464 sqft Living Area
Gross Area	4,225 sqft
1st Floor Area	2,733 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	761 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	739 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	323 RIO DEL NORTE RD
City	SAINT AUGUSTINE
State	FL
Zip	32095-4863
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	73/62-70 RIO DEL NORTE LOT 18 OR5028/1524
Legal Range	29E
Legal Township	05S
Legal Section	61
Legal Subdivision	RIO DEL NORTE
Legal Block	1
Legal Lot Number	18
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	20606

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	323 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Nov 3, 2022	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Aug 28, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Jul 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2020 · Amount on File
Deed Sale	Aug 28, 2020 · Amount on File
Prior Sale	Jun 27, 2016 · Amount on File
Deed Document Number	202072962
Deed Book / Page	5028 / 1524
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Apr 17, 2026
Property Address	323 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Document Number	0000032810
Book / Page	6346 / 151
Instrument Date	Apr 6, 2026
Instrument	202632810
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863

Mortgage

Document Number	0000032810,
Date	Apr 17, 2026
Book Page	6346/151
Instrument	202632810

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 6, 2056

Interest

Rate	6%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	323 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863

Mortgage

Document Number	0056591488
Date	Nov 3, 2022
Book Page	5659/1488
Instrument	2022102017

Lender

Name	AMERIS BANK
Type	Bank
Address	SAINT AUGUSTINE, FL 32084

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Oct 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 28, 2020
Property Address	323 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Document Number	0050281524
Book / Page	5028 / 1524
Map Reference	MB 73 PG 62-70
Instrument Date	Aug 6, 2020
Instrument	2020072962
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	GIBRALTAR TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	55 WATER COVE RD, 55, PHIPPSBURG, ME 04562

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 COBBLESTONE LN, ANNANDALE, NJ 08801-2024

Mortgage

Document Number	50281526
Date	Aug 28, 2020
Instrument	5028/1526

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	323 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Document Number	0047590741
Instrument Date	Jul 8, 2019
Transaction Type	Mortgage
Record Updated	Jul 25, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	323 RIO DEL NORTE RD ST AUGUSTINE FL 320954863, ST AUGUSTINE, FL 32095-4863

Mortgage

Document Number	0047590741
Date	Jul 16, 2019
Book Page	004759/000741
Instrument	50690

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 15, 2039

Tax Assessment & Valuation

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		$894,149 (+2.7%)	$957,636 (-2.06%) Land $210,000 Building $747,636
2025	$17,150.00 (+8.9%) Homeowner's exemption	$870,642 (+2.9%)	$977,730 (+5.92%) Land $210,000 Building $767,730
2024	$15,748.00 (+3.89%) Homeowner's exemption	$846,105 (+3%)	$923,050 (+12.37%) Land $210,000 Building $713,050
2023	$15,158.00 (+18.31%) Homeowner's exemption	$821,461 (+27.05%)	$821,461 (+27.05%) Land $200,000 Building $621,461
2022	$12,812.00	$646,540	$646,540 Land $168,000 Building $478,540

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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 221 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 in force

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 Risk	Moderate above 65% of the US · above 42% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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