St. Johns County property record for 704 Arnold Way, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,176 sqft · built 2003 |
| Lot Size | 0.38 acres (16,552 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $44,000 (Feb 2002) |
| Tax Bill | $3,571 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 184503-0130 |
| Primary APN | 184503-0130 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,176 sqft Living Area |
| Gross Area | 3,155 sqft |
| 1st Floor Area | 2,176 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,552 sqft (0.38 acres) |
| Garage Type | Attached |
| Garage Area | 759 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 350 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 476 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 704 ARNOLD WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-5670 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 36/12-17 MOSES CREEK ESTATES PHASE 1 BLK C LOT 13 OR4083/1997 & 6071/501 & 6071/1886 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 45 |
| Legal Subdivision | MOSES CREEK ESTATES PHASE 1 |
| Legal Phase | 1 |
| Legal Block | C |
| Legal Lot Number | 13 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 21208 |
704 Arnold Way is owned and occupied by two individuals who acquired it in December 2024.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 704 ARNOLD WAY, SAINT AUGUSTINE, FL 32086-5670 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 9, 2026 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Mar 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2002 · Amount on File |
| Deed Sale | Feb 22, 2002 · Amount on File |
| Deed Document Number | 200210757 |
| Deed Book / Page | 1721 / 1238 |
| Last Transfer Date | Dec 13, 2024 |
| Transfer Doc | 0060711886 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 9, 2026 |
| Property Address | 704 ARNOLD WAY, SAINT AUGUSTINE, FL 32086-5670 |
| Document Number | 0000086188 |
| Book / Page | 6451 / 616 |
| Instrument Date | Oct 5, 2026 |
| Instrument | 202686188 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 704 ARNOLD WAY, SAINT AUGUSTINE, FL 32086-5670 |
| Document Number | 0000086188, |
|---|---|
| Date | Oct 9, 2026 |
| Book Page | 6451/616 |
| Instrument | 202686188 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 704 ARNOLD WAY, SAINT AUGUSTINE, FL 32086-5670 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 704 ARNOLD WAY, SAINT AUGUSTINE, FL 32086-5670 |
| Document Number | 0063161820 |
|---|---|
| Date | Mar 3, 2026 |
| Book Page | 6316/1820 |
| Instrument | 2026018311 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2041 |
The 2025 property tax bill for 704 Arnold Way was $3,571, up 13.1% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $291,765 (+2.7%) | $473,640 (-1.15%) Land $107,520 Building $366,120 | |
| 2025 | $3,571.00 (+13.08%) Homeowner's exemption Widower's exemption | $284,094 (+2.9%) | $479,170 (+5.71%) Land $107,520 Building $371,650 |
| 2024 | $3,158.00 (+0.03%) Homeowner's exemption Widower's exemption | $276,087 (+3%) | $453,306 (-7.94%) Land $107,520 Building $345,786 |
| 2023 | $3,157.00 (+3.07%) Homeowner's exemption | $268,046 (+3%) | $492,423 (+3.01%) Land $107,520 Building $384,903 |
| 2022 | $3,063.00 Homeowner's exemption | $260,239 | $478,040 Land $107,520 Building $370,520 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 704 Arnold Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 102 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 102 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2011 · rainfall accumulation |
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 risk around 704 Arnold Way is moderate, ranking above 62% 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 62% of the US · lower than 62% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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