St. Johns County property record for 78 Ripple Rd, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,189 sqft · built 2025 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $500,000 (May 2025) |
| Tax Bill | $4,665 (2025) |
| Deeds & Mortgages | May 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 023726-2610 |
| Primary APN | 023726-2610 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,189 sqft Living Area |
| Gross Area | 2,654 sqft |
| 1st Floor Area | 1,226 sqft |
| Flooring | Carpet |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,662 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 465 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 184 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 78 RIPPLE RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-0077 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 120/72-86 BEACON LAKE PHASE 4C LOT 261 OR6148/1126 |
| Legal Subdivision | BEACON LAKE PHASE 4C |
| Legal Block | 1 |
| Legal Lot Number | 261 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 20904 |
Source: St. Johns County records, as of April 13, 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 | 78 RIPPLE RD, SAINT AUGUSTINE, FL 32095-0077 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 14, 2025 · Amount on Record |
| Deed Sale | May 14, 2025 · Amount on Record |
| Prior Sale | Jan 8, 2025 · Amount on Record |
| Deed Document Number | 202537840 |
| Deed Book / Page | 6148 / 1126 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 14, 2025 |
| Property Address | 78 RIPPLE RD, SAINT AUGUSTINE, FL 32095-0077 |
| Document Number | 0061481126 |
| Book / Page | 6148 / 1126 |
| Map Reference | MB 120 PG 72-86 |
| Instrument Date | May 12, 2025 |
| Instrument | 2025037840 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 78 RIPPLE RD, ST AUGUSTINE, FL 32095-0077 |
| Document Number | 0061481128 |
|---|---|
| Date | May 14, 2025 |
| Instrument | 6148/1128 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
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 | $426,289 (+270.69%) Land $102,000 Building $324,289 | $426,289 (+270.69%) Land $102,000 Building $324,289 | |
| 2025 | $4,665.00 (+16.65%) Homeowner's exemption | $115,000 (+21.05%) | $115,000 (+21.05%) Land $115,000 |
| 2024 | $3,999.00 | $95,000 | $95,000 Land $95,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 44% 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.
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