St. Johns County property record for 43 Split Oak Rd, Saint Augustine, FL 32092 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2019 |
| Square Footage | 2,563 sqft Living Area |
| Lot Size | 11,761 sqft (0.27 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $340,000 (2019) |
| Tax Bill | $5,674.00 (2025) |
| Primary APN | 029011-0230 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Building Area | 2,563 sqft Living Area |
| Gross Area | 3,193 sqft Gross Area |
| 1st Floor | 1,081 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stucco Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 11,761 sqft (0.27 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 630 sqft Garage |
| Porch Area | 196 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 43 SPLIT OAK RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-5445 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 73/4-27 WHISPER CREEK PHASE 1 UNITS A AND B LOT 23 OR4805/1480 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 1 UNITS A AND B |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 23 |
| Legal Unit | A |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 4 |
| Census Block | 4021 |
| Census Tract | 20905 |
Source: St. Johns County records · APN 029011-0230
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 | 43 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5445 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 02, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 02, 2019 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 02, 2019 · Amount on Record |
| Deed Sale | Oct 02, 2019 · Amount on Record |
| Prior Sale | Dec 01, 2016 · Amount on Record |
| Deed Doc Number | 201973097 |
| Deed Book / Page | 4805 / 1480 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 43 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5445 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 43 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5445 |
| Document Number | 0053600327 |
|---|---|
| Date | Sep 02, 2021 |
| Book Page | 5360/327 |
| Instrument | 2021097335 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 02, 2019 |
| Property Address | 43 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5445 |
| Document Number | 0048051480 |
| Book / Page | 4805 / 1480 |
| Map Reference | MB 73 PG 4-27 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 2019073097 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 02, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,380.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084 |
| Name | Verified Name |
|---|---|
| Address | 43 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5445 |
| Document Number | 0048051481 |
|---|---|
| Date | Oct 02, 2019 |
| Instrument | 4805/1481 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2049 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $238,043 (+2.7%) | $443,917 (+3.28%) Land $100,000 Building $343,917 | |
| 2025 | $5,674.00 (+6.57%) Homeowner's exemption | $231,785 (+2.9%) | $429,830 (-0.79%) Land $100,000 Building $329,830 |
| 2024 | $5,324.00 (+1.26%) Homeowner's exemption | $225,253 (+3%) | $433,271 (+11.24%) Land $100,000 Building $333,271 |
| 2023 | $5,258.00 (+1.56%) Homeowner's exemption | $218,692 (+3%) | $389,503 (+6.05%) Land $84,000 Building $305,503 |
| 2022 | $5,177.00 Homeowner's exemption | $212,322 | $367,280 Land $84,000 Building $283,280 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 40% of the US · above 12% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,639 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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