St. Johns County property record for 35 Flora Lake Cir, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,155 sqft · built 2016 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Jan 2017) |
| Tax Bill | $4,531 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Sep 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026484-0040 |
| Primary APN | 026484-0040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,155 sqft Living Area |
| Gross Area | 2,966 sqft |
| 1st Floor Area | 2,155 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 545 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 266 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 35 FLORA LAKE CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8966 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 4 OR4311/1303 & 5381/453(Q/C) |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 21 |
| Legal Subdivision | SANDY CREEK PHASES 2A AND 2B |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 20904 |
35 Flora Lake Cir is owned and occupied by an individual who acquired it in September 2021.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 35 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8966 |
| 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.
| Date | Document |
|---|---|
| Sep 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| Sep 29, 2021 | Intrafamily Transfer, Transfer |
| Sep 16, 2019 | Loan Modification, Mortgage · Line of Credit AMERIS BK |
| Jan 4, 2017 | Corporation Deed, Subdivision Related Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 4, 2017 · Amount on File |
| Deed Sale | Jan 4, 2017 · Amount on File |
| Prior Sale | Dec 1, 2016 · Amount on File |
| Deed Document Number | 2017525 |
| Deed Book / Page | 4311 / 1303 |
| Last Transfer Date | Sep 29, 2021 |
| Transfer Doc | 0053810453 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 35 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8966 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0048040407 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 4804/0407 |
| Instrument | 2019072435 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2034 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 29, 2021 |
| Property Address | 35 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8966 |
| Document Number | 0053810453 |
| Book / Page | 5381 / 453 |
| Map Reference | MB 74 PG 86-98 |
| Instrument Date | Sep 29, 2021 |
| Instrument | 2021106449 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 35 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8966 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 16, 2019 |
| Property Address | 35 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8966 |
| Document Number | 0047950932 |
| Book / Page | 004795 / 000932 |
| Instrument Date | Sep 12, 2019 |
| Instrument | 68358 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2120 CORPORATE SQUARE BLVD #7 JACKSONVILLE FL 322161976, 7, JACKSONVILLE, FL 32216-1976 |
| Investor | Possibly a Property Investor |
| Document Number | 47950932 |
|---|---|
| Date | Sep 16, 2019 |
| Book Page | 004795/000932 |
| Instrument | 68358 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | 10611 DEERWOOD PARK BLVD, JACKSONVILLE, FL 32256-0509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Corporation Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 4, 2017 |
| Property Address | 35 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8966 |
| Document Number | 0043111303 |
| Book / Page | 4311 / 1303 |
| Map Reference | MB74 PG86-98 |
| Instrument Date | Dec 29, 2016 |
| Instrument | 2017000525 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2120 CORPORATE SQUARE BLVD # BLVD3, 2120, JACKSONVILLE, FL 32216-0306 |
| Name | Verified Name |
|---|---|
| Address | 35 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8966 |
| Document Number | 2017000526 |
|---|---|
| Date | Jan 4, 2017 |
| Instrument | 2017000526 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2047 |
The 2025 property tax bill for 35 Flora Lake Cir was $4,531 with a homeowner's exemption, up 12.5% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $359,821 (+2.7%) | $383,064 (-7.37%) Land $100,000 Building $283,064 | |
| 2025 | $4,531.00 (+12.46%) Homeowner's exemption | $350,361 | $413,536 Land $100,000 Building $313,536 |
| 2024 | $4,029.00 (-0.4%) | ||
| 2023 | $4,045.00 (+5.89%) Homeowner's exemption | $338,006 (+5.84%) | $406,398 (+7.81%) Land $100,000 Building $306,398 |
| 2022 | $3,820.00 Homeowner's exemption | $319,357 | $376,952 Land $84,000 Building $292,952 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 35 Flora Lake Cir 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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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 risk around 35 Flora Lake Cir is moderate, ranking above 65% of the US, with a 0.1% annual chance of 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 | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| Lead | 1 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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