St. Johns County property record for 45 Scarlet Rose Ln, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,692 sqft · built 2014 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $680,000 (Dec 2024) |
| Tax Bill | $7,298 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012971-0020 |
| Primary APN | 012971-0020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,692 sqft Living Area |
| Gross Area | 3,242 sqft |
| 1st Floor Area | 2,692 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 29,185 sqft (0.67 acres) |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 240 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 521 sqft |
| Patio Area | 1,166 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 45 SCARLET ROSE LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-2137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 63/77-85 ASHLEY OAKS LOT 2 OR6063/143 |
| Legal Range | 27E |
| Legal Township | 06S |
| Legal Section | 24 |
| Legal Subdivision | ASHLEY OAKS |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 20905 |
45 Scarlet Rose Ln is owned and occupied by two individuals who bought it in December 2024.
Source: St. Johns County records, as of April 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 SCARLET ROSE LN, ST AUGUSTINE, FL 32092-2137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
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 |
|---|---|
| Apr 9, 2026 | Deed of Trust, Mortgage · VA Mortgage FIRST RATE MORTGAGE FUNDING |
| May 24, 2017 | Deed of Trust, Mortgage UNITED STATE SENATE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2024 · Amount on File |
| Deed Sale | Dec 4, 2024 · Amount on File |
| Prior Sale | Jul 18, 2016 · Amount on File |
| Deed Document Number | 202494294 |
| Deed Book / Page | 6063 / 143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 9, 2026 |
| Property Address | 45 SCARLET ROSE LN, SAINT AUGUSTINE, FL 32092-2137 |
| Document Number | 0000030315 |
| Book / Page | 6341 / 16 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 202630315 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 45 SCARLET ROSE LN, SAINT AUGUSTINE, FL 32092-2137 |
| Document Number | 0000030315, |
|---|---|
| Date | Apr 9, 2026 |
| Book Page | 6341/16 |
| Instrument | 202630315 |
| Name | FIRST RATE MORTGAGE FUNDING |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 45 SCARLET ROSE LN, SAINT AUGUSTINE, FL 32092-2137 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0043781756 |
|---|---|
| Date | May 24, 2017 |
| Book Page | 4378/1756 |
| Instrument | 2017036049 |
| Name | UNITED STATE SENATE FCU |
|---|---|
| Type | Non-Lending Institution |
| Address | ALEXANDRIA, VA 22314 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | May 24, 2032 |
The 2025 property tax bill for 45 Scarlet Rose Ln was $7,298, up 70.2% 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 | $564,868 (+1.62%) Land $120,000 Building $444,868 | $564,868 (+1.62%) Land $120,000 Building $444,868 | |
| 2025 | $7,298.00 (+70.2%) Homeowner's exemption | $555,868 (+53.91%) | $555,868 (+3.43%) Land $130,000 Building $425,868 |
| 2024 | $4,288.00 (+1.97%) Homeowner's exemption | $361,171 (+3%) | $537,428 (+4.32%) Land $130,000 Building $407,428 |
| 2023 | $4,205.00 (+2.81%) Homeowner's exemption | $350,651 (+3%) | $515,177 (-0.29%) Land $134,400 Building $380,777 |
| 2022 | $4,090.00 Homeowner's exemption | $340,438 | $516,651 Land $134,400 Building $382,251 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Scarlet Rose Ln 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 84 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 84 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 45 Scarlet Rose Ln is moderate, ranking above 53% 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 53% of the US · lower than 76% 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-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 57 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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