54 Ridge Lake Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 54 Ridge Lake Rd, Saint Augustine, FL 32086

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,484 sqft · built 2022
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Apr 2026)
Tax Bill	$4,129 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`101671-0530`

Property Details

APN / Parcel Number

Primary APN	`101671-0530`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,484 sqft Living Area
Gross Area	1,795 sqft
1st Floor Area	654 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached
Garage Area	311 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	19 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	54 RIDGE LAKE RD
City	SAINT AUGUSTINE
State	FL
Zip	32086-5962
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	106/18-23 PARK RIDGE LOT 53 OR5587/1032
Legal Range	29
Legal Township	07
Legal Section	36
Legal Subdivision	PARK RIDGE
Legal Block	1
Legal Lot Number	53
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1016
Census Tract	21301

Owner

Source: St. Johns County records, as of June 17, 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 Record
Mailing Address	54 RIDGE LAKE RD, SAINT AUGUSTINE, FL 32086-5962
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK
Apr 29, 2026	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK
Jun 29, 2022	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Prior Sale	Jun 29, 2022 · Amount on Record
Deed Document Number	202636352
Deed Book / Page	6352 / 1882
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 29, 2026
Property Address	54 RIDGE LAKE RD, SAINT AUGUSTINE, FL 32086-5962
Document Number	0063521882
Book / Page	6352 / 1882
Instrument Date	Apr 22, 2026
Instrument	202636352
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$190,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 RIDGE LAKE RD, SAINT AUGUSTINE, FL 32086-5962

Mortgage

Document Number	0000036353,
Date	Apr 29, 2026
Instrument	202636353

Lender

Name	AMERIS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2055

Interest

Max Rate	-1%

Mortgage

Document Number	0000036354,
Date	Apr 29, 2026
Book Page	6352/1901
Instrument	202636354

Lender

Name	HOUSING FINANCE CORPORATION FLORIDA

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 29, 2026
Property Address	54 RIDGE LAKE RD, SAINT AUGUSTINE, FL 32086-5962
Document Number	0000036352
Book / Page	6352 / 1882
Instrument Date	Apr 22, 2026
Instrument	2026.36352
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$190,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 RIDGE LAKE RD, SAINT AUGUSTINE, FL 32086-5962

Mortgage

Document Number	0000036353,
Date	Apr 29, 2026
Instrument	2026..36353

Lender

Name	AMERIS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2055

Interest

Rate	6.22%
Max Rate	-1%

Mortgage

Document Number	0000036354,
Date	Apr 29, 2026
Book Page	6352/1901
Instrument	2026.36354

Lender

Name	FLORIDA HOUSING FINANCE CORP

Agreement

Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 29, 2022
Property Address	54 RIDGE LAKE RD, SAINT AUGUSTINE, FL 32086-5962
Document Number	0055871032
Book / Page	5587 / 1032
Map Reference	MB 106 PG 18-23
Instrument Date	Jun 28, 2022
Instrument	2022064045
Transaction Type	Transfer
Record Updated	Dec 20, 2022

Transaction

Amount	Amount Recorded
Tax	$2,009.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1102 A1A N # N102, N102, PONTE VEDRA BEACH, FL 32082-4098

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13905 W WAINWRIGHT DR, BOISE, ID 83713-1969
Investor	Possibly a Property Investor

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		$259,268 (-7.62%) Land $68,000 Building $191,268	$259,268 (-7.62%) Land $68,000 Building $191,268
2025	$4,129.00 (+11.78%)	$280,652 (+14.93%)	$280,652 (+14.93%) Land $68,000 Building $212,652
2024	$3,694.00 (+9.68%)
2023	$3,368.00 (+252.3%)	$244,194 (+336.06%)	$244,194 (+336.06%) Land $60,000 Building $184,194
2022	$956.00	$56,000	$56,000 Land $56,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	4 (2001–2017)
Claims Outside the SFHA	3 of 4
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

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% 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	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 287 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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