557 Rio del Norte Rd, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 557 Rio del Norte Rd, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,356 sqft · built 2018
Lot Size	0.46 acres (20,037 sqft)
Owner	2 Individual Names on File
Last Sale	$647,500 (Oct 2018)
Tax Bill	$11,467 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`072143-0300`

Property Details

APN / Parcel Number

Primary APN	`072143-0300`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,356 sqft Living Area
Gross Area	4,007 sqft
1st Floor Area	2,669 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,037 sqft (0.46 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	245 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	557 RIO DEL NORTE RD
City	SAINT AUGUSTINE
State	FL
Zip	32095-4864
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	73/62-70 RIO DEL NORTE LOT 30 OR4632/37
Legal Range	29E
Legal Township	05S
Legal Section	61
Legal Subdivision	RIO DEL NORTE
Legal Block	1
Legal Lot Number	30
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	20606

Owner

557 Rio del Norte Rd is owned and occupied by two individuals who bought it in October 2018.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	557 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4864
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 26, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2018 · Amount on File
Deed Sale	Oct 26, 2018 · Amount on File
Deed Document Number	201877411
Deed Book / Page	4632 / 37
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	557 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4864
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048130407
Date	Oct 14, 2019
Book Page	4813/0407
Instrument	2019076540

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

October 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 26, 2018
Property Address	557 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4864
Document Number	0046320037
Book / Page	4632 / 0037
Map Reference	MB73 PG62-70
Instrument Date	Oct 24, 2018
Instrument	2018077411
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 RIO DLE NORTE RD, SAINT AUGUSTINE, FL 32095-4864

Mortgage

Document Number	2018077412
Date	Oct 26, 2018
Instrument	2018077412

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 557 Rio del Norte Rd was $11,467 with a homeowner's exemption, up 9.7% 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		$585,668 (+2.7%)	$1,005,790 (-2.98%) Land $210,000 Building $795,790
2025	$11,467.00 (+9.73%) Homeowner's exemption	$570,271 (+2.9%)	$1,036,650 (+4.27%) Land $210,000 Building $826,650
2024	$10,450.00 (+5.3%) Homeowner's exemption	$554,199 (+3%)	$994,203 (+10.69%) Land $210,000 Building $784,203
2023	$9,924.00 (+1.7%) Homeowner's exemption	$538,057 (+3%)	$898,215 (+6.24%) Land $200,000 Building $698,215
2022	$9,758.00 Homeowner's exemption	$522,385	$845,480 Land $168,000 Building $677,480

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

Flood

FEMA maps place 557 Rio del Norte Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 221 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 in force

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 557 Rio del Norte Rd is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% 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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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