5140 Silo Rd, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 5140 Silo Rd, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,972 sqft · built 1991
Lot Size	5 acres (217,800 sqft)
Owner	Trust Name on File
Tax Bill	$4,254 (2025)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028824-0370`

Property Details

APN / Parcel Number

Primary APN	`028824-0370`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	3,972 sqft Living Area
1st Floor Area	2,100 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1996
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	217,800 sqft (5 acres)
Garage Area	1,740 sqft
Porch	Finished/Open Porch
Porch Area	848 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5140 SILO RD
City	SAINT AUGUSTINE
State	FL
Zip	32092-0655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	14/104-106 MILL CREEK ESTATES LOT 37 OR671/1600 (A/D) & 822/0665 & 4932/1938
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	MILL CREEK ESTATES
Legal Block	4
Legal Lot Number	37
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4009
Census Tract	20905

Owner

5140 Silo Rd is owner-occupied and held in a trust since April 2020.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	Trust Name on File
Mailing Address	5140 SILO RD, SAINT AUGUSTINE, FL 32092-0655
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 20, 2020
Transfer Doc	0049321938
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	5140 SILO RD, SAINT AUGUSTINE, FL 32092-0655
Document Number	0048971946
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5140 SILO RD ST AUGUSTINE FL 320920655, ST AUGUSTINE, FL 32092-0655

Mortgage

Document Number	0048971946
Date	Mar 6, 2020
Book Page	004897/001946
Instrument	18554

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 5, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 5140 Silo Rd was $4,254 with exemptions applied, up 12.7% from the year before.

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		$343,846 (+2.7%)	$885,080 (-0.56%) Land $300,000 Building $585,080
2025	$4,254.00 (+12.66%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$334,806 (+2.9%)	$890,095 (+12.07%) Land $300,000 Building $590,095
2024	$3,776.00 (+2.05%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$325,370 (+3%)	$794,241 (+18.99%) Land $300,000 Building $494,241
2023	$3,700.00 (+2.95%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$315,893 (+3%)	$667,509 (+10.71%) Land $270,000 Building $397,509
2022	$3,594.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$306,692	$602,926 Land $246,400 Building $356,526

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5140 Silo Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 5140 Silo Rd is moderate, ranking above 52% 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 52% 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.

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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20