382 Ocean Cay Blvd, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 382 Ocean Cay Blvd, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,909 sqft · built 2016
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on Record
Last Sale	$739,000 (Dec 2025)
Tax Bill	$9,233 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`162881-0120`

Property Details

APN / Parcel Number

Primary APN	`162881-0120`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	2,909 sqft Living Area
Gross Area	3,429 sqft
1st Floor Area	1,489 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	225 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	382 OCEAN CAY BLVD
City	SAINT AUGUSTINE
State	FL
Zip	32080-5891
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	71/23-28 OCEAN CAY LOT 12 OR6273/1945
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	OCEAN CAY
Legal Block	1
Legal Lot Number	12
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3016
Census Tract	21408

Owner

Source: St. Johns County records, as of April 13, 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 Record
Mailing Address	382 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5891
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ETHOS LENDING LLC
Dec 16, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 8, 2021	Deed of Trust, Mortgage · SBA Mortgage BBVA USA
Jan 28, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Prior Sale	Jan 28, 2019 · Amount on Record
Deed Document Number	2025101790
Deed Book / Page	6273 / 1945
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	382 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5891
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	382 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5891

Mortgage

Document Number	0051721547
Date	Feb 5, 2021
Book Page	5172/1547
Instrument	2021013595

Lender

Name	ETHOS LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 16, 2025
Property Address	382 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5891
Document Number	0062731945
Book / Page	6273 / 1945
Map Reference	MB 71 PG 23-28
Instrument Date	Dec 10, 2025
Instrument	2025101790
Transaction Type	Transfer
Record Updated	Dec 26, 2025
Title Company	PARADISE TITLE/STATE AUGUSTINE, PARADISE TTL OF ST AUGUSTINE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,173.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	210 F ST, ST AUGUSTINE, FL 32080-6850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	382 OCEAN CAY BLVD, ST AUGUSTINE, FL 32080-5891

Mortgage

Document Number	0062731947
Date	Dec 16, 2025
Instrument	6273/1947

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	382 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5891
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	382 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5891

Mortgage

Document Number	0051461364
Date	Jan 8, 2021
Book Page	5146/1364
Instrument	2021002419

Lender

Name	BBVA USA
Type	Bank
Address	DALLAS, TX 75379

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 28, 2019
Property Address	382 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5891
Document Number	0046720368
Book / Page	4672 / 0368
Map Reference	MB 71 PG 23-28
Instrument Date	Jan 25, 2019
Instrument	2019005760
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ACTION TITLE SVCS OF ST JOHN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,611.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	382 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-5891

Mortgage

Document Number	2019005761
Date	Jan 28, 2019
Instrument	2019005761

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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		$306,978 (-56.08%)	$616,314 (-11.83%) Land $135,000 Building $481,314
2025	$9,233.00 (+15.15%)	$698,999 (+1.89%)	$698,999 (+1.89%) Land $135,000 Building $563,999
2024	$8,018.00 (+7.62%)	$686,002 (+8.55%)	$686,002 (+8.55%) Land $122,000 Building $564,002
2023	$7,450.00 (+7.38%)	$631,991 (+6.5%)	$631,991 (+6.5%) Land $122,000 Building $509,991
2022	$6,938.00	$593,421	$593,421 Land $117,600 Building $475,821

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 429 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	653 units insured incl. 224 condo units
Nearby Flood Claims	6 (2016–2024)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 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	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: IQ Fiber, Verizon.

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