38 Orchard Ln, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 38 Orchard Ln, Saint Augustine, FL 32095 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,055 sqft · built 2020
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$409,000 (Apr 2020)
Tax Bill	$3,307 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`027016-0510`

Property Details

APN / Parcel Number

Primary APN	`027016-0510`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	3,055 sqft Living Area
Gross Area	3,539 sqft
1st Floor Area	2,347 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
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	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	277 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	38 ORCHARD LN
City	SAINT AUGUSTINE
State	FL
Zip	32095-0032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	83/34-39 BANNON LAKES PHASE 1B-2 LOT 51 OR4921/1055
Legal Range	28E
Legal Township	06S
Legal Section	12
Legal Subdivision	BANNON LAKES PHASE 1B-2
Legal Phase	1B
Legal Block	1
Legal Lot Number	51
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2065
Census Tract	20904

Owner

Source: St. Johns County records · APN 027016-0510

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	38 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 12, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 13, 2020	Grant Deed, Transfer · VA Mortgage TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 13, 2020 · Amount on Record
Deed Sale	Apr 13, 2020 · Amount on Record
Deed Document Number	202028705
Deed Book / Page	4921 / 1055
Record Updated	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	38 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0032
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0032

Mortgage

Document Number	0055401583
Date	Apr 20, 2022
Book Page	5540/1583
Instrument	2022040422

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	38 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0032
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0032

Mortgage

Document Number	0051780650
Date	Feb 12, 2021
Book Page	5178/650
Instrument	2021016099

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 13, 2020
Property Address	38 ORCHARD LN, SAINT AUGUSTINE, FL 32095-0032
Document Number	0049211055
Book / Page	004921 / 001055
Instrument Date	Mar 26, 2020
Instrument	28705
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,863.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 ORCHARD LN ST AUGUSTINE FL 320950032, ST AUGUSTINE, FL 32095-0032

Mortgage

Document Number	49211057
Date	Apr 13, 2020
Book Page	004921/001057
Instrument	28706

Lender

Name	TAYLOR MORRISON HOME FUNDING
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 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		$425,559 (+2.7%)	$479,628 (-6.85%) Land $100,000 Building $379,628
2025	$3,307.00 (+8.25%) Disabled Person's exemption Veteran's exemption	$414,371 (+2.9%)	$514,889 (+%) Land $105,000 Building $409,889
2024	$3,055.00 (-59.02%) Disabled Person's exemption Veteran's exemption	$402,693 (+3%)	$514,868 (-) Land $105,000 Building $409,868
2023	$7,455.00 (+3.41%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$390,964 (+3%)	$514,868 (+15.2%) Land $105,000 Building $409,868
2022	$7,209.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$379,577	$446,921 Land $84,000 Building $362,921

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 121090209042, 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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 206 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 in force

Wildfire

Wildfire Risk	Moderate above 68% of the US · above 47% of Florida
Wildfire Likelihood	About 1 in 413 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 155 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Fiber	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 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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