518 Ruba Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 518 Ruba Rd, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,476 sqft · built 1997
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$186,000 (Aug 2014)
Tax Bill	$2,198 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`135440-0030`

Property Details

APN / Parcel Number

Primary APN	`135440-0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,476 sqft Living Area
Gross Area	2,196 sqft
1st Floor Area	1,476 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Width	102 ft Width
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	520 sqft
Patio Area	900 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	518 RUBA RD
City	SAINT AUGUSTINE
State	FL
Zip	32086-5452
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	12/92 RUBA SUBDIVISION LOT 3 & THAT PT OF TRACT A LYING N OF LOT 3 OR3920/1013
Legal Range	29E
Legal Township	08S
Legal Section	01
Legal Subdivision	RUBA SUBDIVISION
Legal Tract	A
Legal Block	2
Legal Lot Number	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2007
Census Tract	21301

Owner

Source: St. Johns County records · APN 135440-0030

Assessment roll updated April 13, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	518 RUBA RD, SAINT AUGUSTINE, FL 32086-5452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 21, 2014 · Amount on Record
Deed Sale	Aug 21, 2014 · Amount on Record
Prior Sale	May 08, 2006 · Amount on Record
Deed Document Number	201449060
Deed Book / Page	3920 / 1013
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	518 RUBA RD, SAINT AUGUSTINE, FL 32086-5452
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050531564
Date	Sep 29, 2020
Book Page	5053/1564
Instrument	2020083650

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2035

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$181,997 (+2.7%)	$306,551 (+1.68%) Land $86,000 Building $220,551
2025	$2,198.00 (+14.6%) Homeowner's exemption	$177,212 (+2.9%)	$301,491 (+20.08%) Land $86,000 Building $215,491
2024	$1,918.00 (+2.24%) Homeowner's exemption	$172,218 (+3%)	$251,082 (+2.12%) Land $66,000 Building $185,082
2023	$1,876.00 (+3.65%) Homeowner's exemption	$167,202 (+3%)	$245,867 (+20.83%) Land $66,000 Building $179,867
2022	$1,810.00 Homeowner's exemption	$162,332	$203,477 Land $56,000 Building $147,477

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	9 (1984–2017)
Claims Outside the SFHA	8 of 9
Most Recent Claim	Sep 2017 · Hurricane Irma

Wildfire

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 198 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SJCU-CR214 MAINLAND WTP serves 66,953 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.