St. Johns County property record for 50 Flora Lake Cir, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,155 sqft · built 2015 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (May 2026) |
| Tax Bill | $4,459 (2025) |
| Deeds & Mortgages | Feb 2024 Second Mortgage May 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026484-0380 |
| Primary APN | 026484-0380 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,155 sqft Living Area |
| Gross Area | 2,757 sqft |
| 1st Floor Area | 2,155 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 431 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 171 sqft |
| Patio Area | 703 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 50 FLORA LAKE CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8967 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 38 OR5147/1945 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 21 |
| Legal Subdivision | SANDY CREEK PHASES 2A AND 2B |
| Legal Block | 1 |
| Legal Lot Number | 38 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2078 |
| Census Tract | 20904 |
50 Flora Lake Cir is owned and occupied by an individual who bought it in May 2026.
Source: St. Johns County records, as of June 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 50 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8967 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and 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 |
|---|---|
| Feb 14, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| May 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| May 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Mar 6, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Jan 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on File |
| Deed Sale | May 28, 2026 · Amount on File |
| Prior Sale | Jan 11, 2021 · Amount on File |
| Deed Document Number | 202645320 |
| Deed Book / Page | 6371 / 940 |
| Prior Transfer Date | Feb 17, 2026 |
| Prior Transfer Doc | 0000019873 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 50 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8967 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 50 FLORA LAKE CIR, ST AUGUSTINE, FL 32095-8967 |
| Document Number | 0059000133 |
|---|---|
| Date | Feb 14, 2024 |
| Book Page | 5900/133 |
| Instrument | 2024011187 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 12, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 28, 2026 |
| Property Address | 50 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8967 |
| Document Number | 0000045320 |
| Book / Page | 6371 / 940 |
| Instrument Date | May 26, 2026 |
| Instrument | 202645320 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Title Company | COWFORD TITLE LLC, COWFORD TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $318,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 50 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8967 |
| Document Number | 0000045321, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202645321 |
| Name | REGIONS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 28, 2026 |
| Property Address | 50 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8967 |
| Document Number | 0063710940 |
| Book / Page | 6371 / 940 |
| Instrument Date | May 26, 2026 |
| Instrument | 202645320 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | COWFORD TITLE LLC, COWFORD TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $318,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 50 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8967 |
| Document Number | 0000045321, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202645321 |
| Name | REGIONS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 6, 2026 |
| Property Address | 50 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8967 |
| Document Number | 0063191542 |
| Book / Page | 6319 / 1542 |
| Map Reference | MB 74 PG 86-98 |
| Instrument Date | Feb 17, 2026 |
| Instrument | 2026019873 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 50 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8967 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 50 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8967 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 11, 2021 |
| Property Address | 50 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8967 |
| Document Number | 0051471945 |
| Book / Page | 5147 / 1945 |
| Map Reference | MB 74 PG 86-98 |
| Instrument Date | Jan 7, 2021 |
| Instrument | 2021003043 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | VYSTAR TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,218.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 86 DALTON CIR, 86, SAINT AUGUSTINE, FL 32092-0058 |
| Name | Verified Name |
|---|---|
| Address | 914 TREE SIDE LN, PONTE VEDRA, FL 32081-0033 |
| Document Number | 51471946 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 5147/1946 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 50 FLORA LAKE CIR, SAINT AUGUSTINE, FL 32095-8967 |
| Document Number | 0043221767 |
| Book / Page | 004322 / 001767 |
| Instrument Date | Jan 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2017 |
| Name | Verified Name |
|---|---|
| Address | 50 FLORA LAKE CIR ST AUGUSTINE FL 320958967, ST AUGUSTINE, FL 32095-8967 |
| Document Number | 0043221767 |
|---|---|
| Date | Jan 27, 2017 |
| Book Page | 004322/001767 |
| Instrument | 6354 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 26, 2032 |
The 2025 property tax bill for 50 Flora Lake Cir was $4,459, up 12.5% 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 | $354,330 (+2.7%) | $368,853 (-6.67%) Land $100,000 Building $268,853 | |
| 2025 | $4,459.00 (+12.52%) Homeowner's exemption | $345,015 (+2.9%) | $395,233 (+3.36%) Land $100,000 Building $295,233 |
| 2024 | $3,963.00 (+5.23%) Homeowner's exemption | $335,292 (+6.08%) | $382,380 (+1.83%) Land $100,000 Building $282,380 |
| 2023 | $3,766.00 (+2.9%) Homeowner's exemption | $316,082 (+3%) | $375,492 (+6.75%) Land $100,000 Building $275,492 |
| 2022 | $3,660.00 Homeowner's exemption | $306,876 | $351,747 Land $84,000 Building $267,747 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 50 Flora Lake Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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 50 Flora Lake Cir is moderate, ranking above 65% 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 65% of the US · above 42% 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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475 |
|---|---|
| Water Source | Purchased groundwater from JEA MAJOR GRID |
| Last State Inspection | Mar 2024 |
| Lead | 1 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures