33 Reef Bay Ct, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 33 Reef Bay Ct, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,523 sqft · built 2014
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Jul 2021)
Tax Bill	$9,530 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026551-4740`

Property Details

APN / Parcel Number

Primary APN	`026551-4740`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	3,523 sqft Living Area
Gross Area	4,387 sqft
1st Floor Area	2,206 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	664 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	33 REEF BAY CT
City	SAINT AUGUSTINE
State	FL
Zip	32092-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	70/66-72 GLEN ST JOHNS PHASE 2B LOT 474 OR5323/1275
Legal Range	28E
Legal Township	05S
Legal Section	28
Legal Subdivision	GLEN ST. JOHNS PHASE 2B
Legal Phase	2B
Legal Block	1
Legal Lot Number	474
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2008
Census Tract	20908

Owner

Source: St. Johns County records · APN 026551-4740

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	33 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 21, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 01, 2019	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 21, 2021 · Amount on Record
Deed Sale	Jul 21, 2021 · Amount on Record
Prior Sale	Dec 31, 2014 · Amount on Record
Deed Document Number	202180950
Deed Book / Page	5323 / 1275
Record Updated	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	33 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223
Transaction Type	Mortgage
Record Updated	Oct 02, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 REEF BAY CT, ST AUGUSTINE, FL 32092-3223

Mortgage

Document Number	0058270821
Date	Sep 19, 2023
Book Page	5827/821
Instrument	2023073917

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 07, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 21, 2021
Property Address	33 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223
Document Number	0053231275
Book / Page	5323 / 1275
Map Reference	MB 70 PG 66-72
Instrument Date	Jul 19, 2021
Instrument	2021080950
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	PONTE VEDRA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	924 CHALBOURNE DR, CHESAPEAKE, VA 23322-9002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 REEF BAY CT, ST AUGUSTINE, FL 32092-3223

Mortgage

Document Number	0053231278
Date	Jul 21, 2021
Instrument	5323/1278

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2036

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	33 REEF BAY CT, SAINT AUGUSTINE, FL 32092-3223
Document Number	0046920509
Instrument Date	Feb 01, 2019
Transaction Type	Mortgage
Record Updated	Mar 21, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	924 CHALBOURNE DR CHESAPEAKE VA 233229002, CHESAPEAKE, VA 23322-9002

Mortgage

Document Number	0046920509
Date	Mar 11, 2019
Book Page	004692/000509
Instrument	16458

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 10, 2044

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		$553,123 (+6.72%) Land $100,000 Building $453,123	$553,123 (+6.72%) Land $100,000 Building $453,123
2025	$9,530.00 (+6.15%) Homeowner's exemption	$518,291 (+0.28%)	$518,291 (-2.04%) Land $112,000 Building $406,291
2024	$8,978.00 (+2.99%) Homeowner's exemption	$516,865 (+3%)	$529,100 (+5.44%) Land $115,000 Building $414,100
2023	$8,717.00 (+3.58%) Homeowner's exemption	$501,811 (+2.68%)	$501,811 (+2.68%) Land $105,000 Building $396,811
2022	$8,416.00 Homeowner's exemption	$488,691	$488,691 Land $89,600 Building $399,091

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209082, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 103 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	103 in force

Wildfire

Wildfire Risk	Moderate above 59% of the US · above 31% of Florida
Wildfire Likelihood	About 1 in 671 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 210 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Fiber	2,000 / 2,000
AT&T	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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