495 Rio del Norte Rd, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 495 Rio del Norte Rd, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,536 sqft · built 2019
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$841,000 (Mar 2022)
Tax Bill	$9,548 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`072143-0270`

Property Details

APN / Parcel Number

Primary APN	`072143-0270`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,536 sqft Living Area
Gross Area	3,337 sqft
1st Floor Area	2,536 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	177 sqft
Patio Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	495 RIO DEL NORTE RD
City	SAINT AUGUSTINE
State	FL
Zip	32095-4863
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	73/62-70 RIO DEL NORTE LOT 27 OR5516/662
Legal Range	29E
Legal Township	05S
Legal Section	61
Legal Subdivision	RIO DEL NORTE
Legal Block	1
Legal Lot Number	27
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	20606

Owner

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	495 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
May 11, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Mar 4, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2022 · Amount on File
Deed Sale	Mar 16, 2022 · Amount on File
Prior Sale	Mar 4, 2019 · Amount on File
Deed Document Number	202227977
Deed Book / Page	5516 / 662
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 16, 2022
Property Address	495 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Document Number	0055160662
Book / Page	5516 / 662
Map Reference	MB 73 PG 62-70
Instrument Date	Mar 15, 2022
Instrument	2022027977
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	SUNCOAST ONE TITLE, COAST ONE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,887.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	740 NE WOODS CT, BREMERTON, WA 98311-2568

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 RIO DEL NORTE RD, ST AUGUSTINE, FL 32095-4863

Mortgage

Document Number	0005516664
Date	Mar 16, 2022
Instrument	5516/664

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	495 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Document Number	0049430298
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	495 RIO DEL NORTE RD ST AUGUSTINE FL 320954863, ST AUGUSTINE, FL 32095-4863

Mortgage

Document Number	0049430298
Date	May 15, 2020
Book Page	004943/000298
Instrument	37318

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 14, 2050

March 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 4, 2019
Property Address	495 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Document Number	0046880710
Book / Page	4688 / 0710
Map Reference	MB 73 PG 62-70
Instrument Date	Feb 28, 2019
Instrument	2019014466
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,626.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863

Mortgage

Document Number	2019014469
Date	Mar 4, 2019
Instrument	2019014469

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 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		$445,636 (+2.7%)	$775,298 (+0.31%) Land $210,000 Building $565,298
2025	$9,548.00 (+9.62%) Homeowner's exemption	$433,920 (+2.9%)	$772,908 (+6.14%) Land $210,000 Building $562,908
2024	$8,710.00 (+5.95%) Homeowner's exemption	$421,691 (+3%)	$728,169 (+12.6%) Land $210,000 Building $518,169
2023	$8,221.00 (-4.46%) Homeowner's exemption	$409,409 (-6.47%)	$646,701 (+6.29%) Land $200,000 Building $446,701
2022	$8,605.00 Homeowner's exemption	$437,739	$608,444 Land $168,000 Building $440,444

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 221 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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