St. Johns County property record for 581 Morgans Treasure Rd, Saint Augustine, FL 32084 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,705 sqft · built 2022 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $352,500 (Mar 2024) |
| Tax Bill | $4,004 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Jul 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 095601-1250 |
| Primary APN | 095601-1250 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,705 sqft Living Area |
| Gross Area | 2,105 sqft |
| 1st Floor Area | 1,705 sqft |
| Flooring | Carpet |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 20 sqft |
| Patio Area | 70 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 581 MORGANS TREASURE RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-9224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 108/1-35 MORGANS COVE LOT 125 OR5914/144 |
| Legal Range | 29 |
| Legal Township | 07 |
| Legal Section | 28 |
| Legal Subdivision | MORGANS COVE |
| Legal Block | 1 |
| Legal Lot Number | 125 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 21003 |
Source: St. Johns County records · APN 095601-1250
Assessment roll updated April 13, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 581 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 12, 2024 | Warranty Deed, Transfer · Conventional Mortgage LOAN FACTORY INC |
| Jul 05, 2022 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 12, 2024 · Amount on Record |
| Deed Sale | Mar 12, 2024 · Amount on Record |
| Prior Sale | Jul 05, 2022 · Amount on Record |
| Deed Document Number | 202418517 |
| Deed Book / Page | 5914 / 144 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 12, 2024 |
| Property Address | 581 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9224 |
| Document Number | 0059140144 |
| Book / Page | 5914 / 144 |
| Map Reference | MB 108 PG 1 |
| Instrument Date | Mar 07, 2024 |
| Instrument | 2024018517 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | HOMEGUARD TITLE AND TRUST, HOMEGUARD TITLE & TRUST LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,467.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 251 DAHLIA FALLS DR, JACKSONVILLE, FL 32259-7458 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 581 MORGANS TREASURE RD, ST AUGUSTINE, FL 32084-9224 |
| Document Number | 0005914146 |
|---|---|
| Date | Mar 12, 2024 |
| Instrument | 5914/146 |
| Name | LOAN FACTORY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 05, 2022 |
| Property Address | 581 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9224 |
| Document Number | 0055901117 |
| Book / Page | 5590 / 1117 |
| Map Reference | MB 108 PG 1-35 |
| Instrument Date | Jun 30, 2022 |
| Instrument | 2022065521 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,324.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4220 RACE TRACK RD # RD100, RD100, ST JOHNS, FL 32259-2084 |
| Name | Verified Name |
|---|---|
| Address | 581 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9224 |
| Document Number | 0055901118 |
|---|---|
| Date | Jul 05, 2022 |
| Instrument | 5590/1118 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2052 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $318,586 (+2.7%) | $326,675 (+5.31%) Land $70,000 Building $256,675 | |
| 2025 | $4,004.00 (+25.16%) Homeowner's exemption | $310,210 (+13.52%) | $310,210 (+3.51%) Land $70,000 Building $240,210 |
| 2024 | $3,199.00 (+2.04%) Homeowner's exemption | $273,262 (+3%) | $299,681 (+3.18%) Land $70,000 Building $229,681 |
| 2023 | $3,135.00 (+185%) Homeowner's exemption | $265,303 (+294.8%) | $290,431 (+332.19%) Land $60,750 Building $229,681 |
| 2022 | $1,100.00 | $67,200 | $67,200 Land $67,200 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090210033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 54 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 54 in force 45 of 54 on primary residences |
| Wildfire Risk | High above 71% of the US · above 53% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 310 per year |
| 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.
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