5124 Osceola Ave, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 5124 Osceola Ave, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,882 sqft · built 2020
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,160,000 (Jul 2026)
Tax Bill	$13,898 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`177370-0090`

Property Details

APN / Parcel Number

Primary APN	`177370-0090`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,882 sqft Living Area
Gross Area	3,301 sqft
1st Floor Area	722 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	419 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	955 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5124 OSCEOLA AVE
City	SAINT AUGUSTINE
State	FL
Zip	32080-7190
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	3-69 BIERA MAR LOT 9 BLK 15 & W1/2 VAC ALTA VISTA AVE LYING E PER RES #2000-175 OR5055/1917
Legal Range	30E
Legal Township	08S
Legal Section	22
Legal Subdivision	BIERA MAR BY THE SEA SUBDIVISION
Legal Block	15
Legal Lot Number	9
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3013
Census Tract	21403

Owner

Source: St. Johns County records, as of July 23, 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	3818 BETTES CIR, JACKSONVILLE, FL 32210-4332
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Warranty Deed, Transfer · Conventional Mortgage TD BANK
Jun 15, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 25, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PUBLIX EMPLOYEES FCU
Sep 30, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TOWNE MORTGAGE CO
May 3, 2019	Warranty Deed, Transfer PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Prior Sale	Sep 30, 2020 · Amount on Record
Deed Document Number	202659648
Deed Book / Page	6400 / 554
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 13, 2026
Property Address	5124 OSCEOLA AVE, SAINT AUGUSTINE, FL 32080-7190
Document Number	0000059648
Book / Page	6400 / 554
Instrument Date	Jun 30, 2026
Instrument	202659648
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3818 BETTES CIR, JACKSONVILLE, FL 32210-4332

Mortgage

Document Number	0000059649,
Date	Jul 13, 2026
Instrument	202659649

Lender

Name	TD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	5124 OSCEOLA AVE, SAINT AUGUSTINE, FL 32080-7190
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5124 OSCEOLA AVE, SAINT AUGUSTINE, FL 32080-7190

Mortgage

Document Number	0055781851
Date	Jun 15, 2022
Book Page	5578/1851
Instrument	2022059677

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 5, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	5124 OSCEOLA AVE, SAINT AUGUSTINE, FL 32080-7190
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5124 OSCEOLA AVE, SAINT AUGUSTINE, FL 32080-7190

Mortgage

Document Number	0056030355
Date	Jul 25, 2022
Book Page	5603/355
Instrument	2022072002

Lender

Name	PUBLIX EMPLOYEES FCU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

September 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 30, 2020
Property Address	5124 OSCEOLA AVE, SAINT AUGUSTINE, FL 32080-7190
Document Number	0050551917
Book / Page	5055 / 1917
Map Reference	MB 3 PG 69
Instrument Date	Sep 24, 2020
Instrument	2020084474
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 2, 2022
Title Company	MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,585.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1144 FRUIT COVE RD, 1144, SAINT JOHNS, FL 32259-2861

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5124 OSCEOLA AVE, SAINT AUGUSTINE, FL 32080-7190

Mortgage

Document Number	0050551919
Date	Sep 30, 2020
Instrument	5055/1919

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 3, 2019
Property Address	5124 OSCEOLA AVE, SAINT AUGUSTINE, FL 32080-7190
Document Number	0047181729
Book / Page	004718 / 001729
Instrument Date	May 2, 2019
Instrument	30512
Transaction Type	Transfer
Record Updated	May 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,218.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1144 FRUIT COVE RD ST JOHNS FL 322592861, ST JOHNS, FL 32259-2861

Mortgage

Document Number	47181732
Date	May 3, 2019
Book Page	004718/001732
Instrument	30514

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	JACKSONVILLE, FL 32207

Agreement

Amount	Amount Recorded

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		$888,624 (-11.39%) Land $207,900 Building $680,724	$888,624 (-11.39%) Land $207,900 Building $680,724
2025	$13,898.00 (+111.99%)	$1,002,868 (+85.83%)	$1,002,868 (+11.24%) Land $207,900 Building $794,968
2024	$6,556.00 (+1.91%) Homeowner's exemption	$539,661 (+3%)	$901,504 (+7.38%) Land $207,900 Building $693,604
2023	$6,433.00 (+2.6%) Homeowner's exemption	$523,943 (+3%)	$839,559 (-3.8%) Land $197,946 Building $641,613
2022	$6,270.00 Homeowner's exemption	$508,683	$872,691 Land $179,928 Building $692,763

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 172 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	773 units insured incl. 601 condo units
Nearby Flood Claims	9 (2001–2025)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Oct 2025 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 5 claims

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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-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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, IQ Fiber, T-Mobile, Verizon.

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