St. Johns County property record for 43 Cedar Elm Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,157 sqft · built 2023 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,100 (May 2024) |
| Tax Bill | $5,605 (2025) |
| Deeds & Mortgages | Jan 2025 Transfer May 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 027984-1210 |
| Primary APN | 027984-1210 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,157 sqft Living Area |
| Gross Area | 2,585 sqft |
| 1st Floor Area | 1,043 sqft |
| Flooring | Carpet |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 428 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 43 CEDAR ELM WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-3550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 109/69-80 SILVERLEAF 29B-1 LOT 121 OR5942/1503 & 6087/45(L/E) |
| Legal Range | 28 |
| Legal Township | 06 |
| Legal Section | 38 |
| Legal Subdivision | SILVERLEAF 29B-1 |
| Legal Block | 1 |
| Legal Lot Number | 121 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 20908 |
43 Cedar Elm Way is owned by two individuals who acquired it in January 2025.
Source: St. Johns County records, as of April 13, 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 | 73 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2983 |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 22, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| May 2, 2024 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOME AMERICAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2024 · Amount on File |
| Deed Sale | May 2, 2024 · Amount on File |
| Deed Document Number | 202433675 |
| Deed Book / Page | 5942 / 1503 |
| Last Transfer Date | Jan 14, 2025 |
| Transfer Doc | 0060870045 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 22, 2025 |
| Property Address | 43 CEDAR ELM WAY, SAINT AUGUSTINE, FL 32092-3550 |
| Document Number | 0060870045 |
| Book / Page | 6087 / 45 |
| Map Reference | MB 109 PG 69-80 |
| Instrument Date | Jan 14, 2025 |
| Instrument | 2025005027 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 73 ZAMORA ST, ST AUGUSTINE, FL 32084-2983 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 73 ZAMORA ST, ST AUGUSTINE, FL 32084-2983 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 2, 2024 |
| Property Address | 43 CEDAR ELM WAY, SAINT AUGUSTINE, FL 32092-3550 |
| Document Number | 0059421503 |
| Book / Page | 5942 / 1503 |
| Map Reference | MB 109 PG 69-80 |
| Instrument Date | Apr 30, 2024 |
| Instrument | 2024033675 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,360.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10255 FORTUNE PKWY # 150, 150, JACKSONVILLE, FL 32256-6502 |
| Name | Verified Name |
|---|---|
| Address | 73 ZAMORA ST, SAINT AUGUSTINE, FL 32084-2983 |
| Document Number | 0059421508 |
|---|---|
| Date | May 2, 2024 |
| Instrument | 5942/1508 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2054 |
The 2025 property tax bill for 43 Cedar Elm Way was $5,605, up 11% 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 | $382,745 (-2.21%) Land $96,000 Building $286,745 | $382,745 (-2.21%) Land $96,000 Building $286,745 | |
| 2025 | $5,605.00 (+11.03%) | $391,389 (-4.93%) | $391,389 (-4.93%) Land $96,000 Building $295,389 |
| 2024 | $5,048.00 (+788.73%) | $411,695 (+818.96%) | $411,695 (+818.96%) Land $100,000 Building $311,695 |
| 2023 | $568.00 (-0.87%) | $44,800 (-) | $44,800 (-) Land $44,800 |
| 2022 | $573.00 | $44,800 | $44,800 Land $44,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 43 Cedar Elm Way in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 110 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 110 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 43 Cedar Elm Way is moderate, ranking above 65% of the US, with a 0.3% 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 | 0.3% 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-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 |
| 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.
Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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