605 Bowers Ln, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 605 Bowers Ln, Saint Augustine, FL 32080 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,190 sqft · built 1985
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Apr 2011)
Tax Bill	$3,498 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`172405-0012`

Property Details

APN / Parcel Number

Primary APN	`172405-0012`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,190 sqft Living Area
Gross Area	1,446 sqft
1st Floor Area	1,190 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,178 sqft (0.05 acres)
Porch	Finished Screened Porch
Porch Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	605 BOWERS LN
City	SAINT AUGUSTINE
State	FL
Zip	32080-9719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14/70 VILLA DEL REY PT OF TRACT C NKA UNIT 1 TOWNHOUSE 2 OR3431/295
Legal Range	30E
Legal Township	08S
Legal Section	03
Legal Subdivision	VILLA DEL REY
Legal Tract	C
Legal Block	1
Legal Lot Number	2
Legal Unit	1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1030
Census Tract	21410

Owner

Source: St. Johns County records · APN 172405-0012

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	605 BOWERS LN, SAINT AUGUSTINE, FL 32080-9719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 06, 2021	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Sep 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Nov 13, 2017	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 27, 2011 · Amount on Record
Deed Sale	Apr 27, 2011 · Amount on Record
Prior Sale	Jan 06, 2005 · Amount on Record
Deed Document Number	201121062
Deed Book / Page	3431 / 295
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	605 BOWERS LN, SAINT AUGUSTINE, FL 32080-9719
Transaction Type	Mortgage
Record Updated	Oct 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 BOWERS LN, SAINT AUGUSTINE, FL 32080-9719

Mortgage

Document Number	0053880133
Date	Oct 06, 2021
Book Page	5388/133
Instrument	2021109355

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 01, 2036

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	605 BOWERS LN, SAINT AUGUSTINE, FL 32080-9719
Document Number	0046210190
Instrument Date	Sep 27, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 BOWERS LN ST AUGUSTINE FL 320809719, ST AUGUSTINE, FL 32080-9719

Mortgage

Document Number	0046210190
Date	Oct 02, 2018
Book Page	004621/000190
Instrument	71509

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 01, 2033

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	605 BOWERS LN, SAINT AUGUSTINE, FL 32080-9719
Document Number	0044651578
Book / Page	004465 / 001578
Instrument Date	Nov 13, 2017
Transaction Type	Mortgage
Record Updated	Dec 04, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 BOWERS LN ST AUGUSTINE FL 320809719, ST AUGUSTINE, FL 32080-9719

Mortgage

Document Number	0044651578
Date	Nov 21, 2017
Book Page	004465/001578
Instrument	79100

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 20, 2027

Interest

Rate Type	Adjustable Rate

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
Municipality	St. Augustine Beach City
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		$230,745 (+2.7%)	$342,582 (-2.48%) Land $90,000 Building $252,582
2025	$3,498.00 (+8.5%) Homeowner's exemption	$224,679 (+5.99%)	$351,291 (-0.55%) Land $90,000 Building $261,291
2024	$3,224.00 (+7.86%)
2023	$2,989.00 (+1.84%) Homeowner's exemption	$211,987 (+3%)	$353,239 (+12.3%) Land $96,000 Building $257,239
2022	$2,935.00 Homeowner's exemption	$205,813	$314,554 Land $95,200 Building $219,354

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090214101, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Coastal	Yes
Flood Insurance Cost	Premium on Record median of 243 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	365 units insured 122 under condo master policies
Nearby Flood Claims	5 (2016–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2024, other causes
Claims By Storm	Hurricane Matthew, Oct 2016 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 7% of Florida
Wildfire Likelihood	About 1 in 4,762 per year
Exposure	Indirect within ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 382 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: IQ Fiber Intermediate Holdings, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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