St. Johns County property record for 490 Irish Rose Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,866 sqft · built 2014 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,000 (Jul 2017) |
| Tax Bill | $3,400 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012971-0490 |
| Primary APN | 012971-0490 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,866 sqft Living Area |
| Gross Area | 2,382 sqft |
| 1st Floor Area | 1,866 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 | 23,522 sqft (0.54 acres) |
| Garage Type | Attached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished Screened Porch |
| Porch Area | 165 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 490 IRISH ROSE RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-2131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 63/77-85 ASHLEY OAKS LOT 49 OR4407/1322 |
| Legal Range | 27E |
| Legal Township | 06S |
| Legal Section | 24 |
| Legal Subdivision | ASHLEY OAKS |
| Legal Block | 1 |
| Legal Lot Number | 49 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 20905 |
Source: St. Johns County records, as of July 2, 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 | 490 IRISH ROSE RD, SAINT AUGUSTINE, FL 32092-2131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| Jul 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE LLC |
| Mar 27, 2018 | Deed of Trust, Mortgage · FHA Mortgage MID-AMERICAN MORTGAGE INC |
| Jul 21, 2017 | Warranty Deed, Transfer · FHA Mortgage UNITED SECURITY FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2017 · Amount on Record |
| Deed Sale | Jul 21, 2017 · Amount on Record |
| Prior Sale | Apr 25, 2014 · Amount on Record |
| Deed Document Number | 201750163 |
| Deed Book / Page | 4407 / 1322 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 22, 2026 |
| Property Address | 490 IRISH ROSE RD, SAINT AUGUSTINE, FL 32092-2131 |
| Document Number | 0063870115 |
| Book / Page | 6387 / 115 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 202652894 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 490 IRISH ROSE RD, SAINT AUGUSTINE, FL 32092-2131 |
| Document Number | 0000052894, |
|---|---|
| Date | Jun 22, 2026 |
| Book Page | 6387/115 |
| Instrument | 202652894 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 15, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.71% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 490 IRISH ROSE RD, SAINT AUGUSTINE, FL 32092-2131 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 490 IRISH ROSE RD, SAINT AUGUSTINE, FL 32092-2131 |
| Document Number | 0053181249 |
|---|---|
| Date | Jul 15, 2021 |
| Book Page | 5318/1249 |
| Instrument | 2021078585 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45242 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 490 IRISH ROSE RD, SAINT AUGUSTINE, FL 32092-2131 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0045210630 |
|---|---|
| Date | Mar 27, 2018 |
| Book Page | 4521/0630 |
| Instrument | 2018019947 |
| Name | MID-AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ADDISON, TX 75001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 21, 2017 |
| Property Address | 490 IRISH ROSE RD, SAINT AUGUSTINE, FL 32092-2131 |
| Document Number | 0044071322 |
| Book / Page | 4407 / 1322 |
| Map Reference | MB63 PG77-85 |
| Instrument Date | Jul 3, 2017 |
| Instrument | 2017050163 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | WATSON TITLE SVCS OF NORTH F |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1235 WEKIVA CT, 1235, SAINT AUGUSTINE, FL 32092 |
| Name | Verified Name |
|---|---|
| Address | 490 IRISH ROSE RD, SAINT AUGUSTINE, FL 32092-2131 |
| Document Number | 2017050164 |
|---|---|
| Date | Jul 21, 2017 |
| Instrument | 2017050164 |
| Name | UNITED SECURITY FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2047 |
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 | $273,593 (+2.7%) | $389,291 (+4.27%) Land $120,000 Building $269,291 | |
| 2025 | $3,400.00 (+13.14%) Homeowner's exemption | $266,400 (+2.9%) | $373,343 (-2.63%) Land $130,000 Building $243,343 |
| 2024 | $3,005.00 (+2.04%) Homeowner's exemption | $258,892 (+3%) | $383,411 (+0.44%) Land $130,000 Building $253,411 |
| 2023 | $2,945.00 (+3.12%) Homeowner's exemption | $251,351 (+3%) | $381,736 (-1.33%) Land $134,400 Building $247,336 |
| 2022 | $2,856.00 Homeowner's exemption | $244,030 | $386,867 Land $134,400 Building $252,467 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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