515 Old Spanish Trl, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 515 Old Spanish Trl, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 2025
Lot Size	0.29 acres (12,632 sqft)
Owner	Company Name on File
Tax Bill	$1,467 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Nov 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`098220-0010`

Property Details

APN / Parcel Number

Primary APN	`098220-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft
Flooring	Carpet

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Concrete
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	106 ft deep x 119 ft wide
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	515 OLD SPANISH TRL
City	SAINT AUGUSTINE
State	FL
Zip	32084-0352
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5-C PT OF SEC 24 LYING S OF OLD SPANISH TRAIL BEING 100 X 119 X 100 X 110 FT BEING PARCEL C PER SURVEY OR5849/1953(Q/C) & 6209/1868
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1068
Census Tract	20300

Owner

515 Old Spanish Trl is owned by a company that acquired it in August 2025.

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

Owner of Record	Company Name on File
Mailing Address	1013 CENTRE RD, 403, WILMINGTON, DE 19805-1270
Owner Type	Company
Vesting	Limited Liability Partnership

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

Date	Document
Aug 27, 2025	Warranty Deed, Transfer · Conventional Mortgage THE LOAN STORE INC
Nov 1, 2023	Intrafamily Transfer, Transfer · Line of Credit ANCHOR NATIONWIDE LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 25, 2025
Transfer Doc	0062091868
Record Updated	Jun 8, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 27, 2025
Property Address	515 OLD SPANISH TRL, SAINT AUGUSTINE, FL 32084-0352
Document Number	0062091868
Book / Page	6209 / 1868
Instrument Date	Aug 25, 2025
Instrument	2025069694
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	601 OAK ST, NEPTUNE BEACH, FL 32266-3739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 CENTRE RD STE 403, 403, WILMINGTON, DE 19805-1270

Mortgage

Document Number	0062091873
Date	Aug 27, 2025
Instrument	6209/1873

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Sep 1, 2065

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Nov 1, 2023
Property Address	515 OLD SPANISH TRL, SAINT AUGUSTINE, FL 32084-0352
Document Number	0058491953
Book / Page	5849 / 1953
Instrument Date	Oct 30, 2023
Instrument	2023085810
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	FIRST PRIORITY TITLE COMPANY, FIRST INTEGRITY TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1013 CENTRE RD # RD403A, RD403A, WILMINGTON, DE 19805-1265

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 OAK ST, NEPTUNE BEACH, FL 32266-3739

Mortgage

Document Number	0058491958
Date	Nov 1, 2023
Instrument	5849/1958

Lender

Name	ANCHOR NATIONWIDE LOANS LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 515 Old Spanish Trl was $1,467, up 139.3% 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		$353,437 (+197.75%) Land $118,702 Building $234,735	$353,437 (+197.75%) Land $118,702 Building $234,735
2025	$1,467.00 (+139.31%)	$118,702 (+143.64%)	$118,702 (+143.64%) Land $118,702
2024	$613.00	$48,720	$48,720 Land $48,720

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

Flood

FEMA maps place 515 Old Spanish Trl in Zone X, an area of minimal flood risk, though there have been 42 flood claims nearby since 1985.

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 74 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	74 in force
Nearby Flood Claims	42 (1985–2025)
Claims Outside the SFHA	5 of 42
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Ian, Oct 2022 · 4 claims Hurricane Irma, Sep 2017 · 6 claims Hurricane Matthew, Oct 2016 · 9 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

Wildfire risk around 515 Old Spanish Trl is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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