81 Silver Fern Dr, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 81 Silver Fern Dr, Saint Augustine, FL 32086

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,659 sqft · built 2021
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Jun 2026)
Tax Bill	$3,913 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jun 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`135831-0110`

Property Details

APN / Parcel Number

Primary APN	`135831-0110`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,659 sqft Living Area
Gross Area	1,882 sqft
1st Floor Area	807 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	223 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	56 sqft
Patio Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	81 SILVER FERN DR
City	SAINT AUGUSTINE
State	FL
Zip	32086-9062
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	99/69-73 ORCHARD PARK PHASE 1 LOT 11 OR5299/1964
Legal Range	29E
Legal Township	08S
Legal Section	02
Legal Subdivision	ORCHARD PARK PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	11
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	1
Census Block	1003
Census Tract	21207

Owner

81 Silver Fern Dr, a townhouse, is owned by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	61 QUARTZ PL, SAINT AUGUSTINE, FL 32086-0260
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 17, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Jun 24, 2021	Special Warranty Deed, Transfer · Conventional Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Deed Document Number	202646655
Deed Book / Page	6374 / 1272
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	81 SILVER FERN DR, SAINT AUGUSTINE, FL 32086-9062
Transaction Type	Mortgage
Record Updated	Jun 17, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057251132
Date	Mar 17, 2023
Book Page	5725/1132
Instrument	2023020173

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 9, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 2, 2026
Property Address	81 SILVER FERN DR, SAINT AUGUSTINE, FL 32086-9062
Document Number	0000046655
Book / Page	6374 / 1272
Instrument Date	May 22, 2026
Instrument	202646655
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	TRUST TITLE AND ESCROW COMPANY, TRUST TITLE ESCROW COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$201,495.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 QUARTZ PL, SAINT AUGUSTINE, FL 32086-0260

Mortgage

Document Number	0000046656,
Date	Jun 2, 2026
Instrument	202646656

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 2, 2026
Property Address	81 SILVER FERN DR, SAINT AUGUSTINE, FL 32086-9062
Document Number	0063741272
Book / Page	6374 / 1272
Instrument Date	May 22, 2026
Instrument	202646655
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	TRUST TITLE AND ESCROW COMPANY, TRUST TITLE ESCROW COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$201,495.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 QUARTZ PL, SAINT AUGUSTINE, FL 32086-0260

Mortgage

Document Number	0000046656,
Date	Jun 2, 2026
Instrument	202646656

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 24, 2021
Property Address	81 SILVER FERN DR, SAINT AUGUSTINE, FL 32086-9062
Document Number	0052991964
Book / Page	5299 / 1964
Map Reference	MB 99 PG 69-73
Instrument Date	Jun 22, 2021
Instrument	2021070597
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,718.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10475 FORTUNE PKWY STE 100, 100, JACKSONVILLE, FL 32256-3674

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 SILVER FERN DR, SAINT AUGUSTINE, FL 32086-9062

Mortgage

Document Number	0052991966
Date	Jun 24, 2021
Instrument	5299/1966

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 81 Silver Fern Dr was $3,913, up 5.4% 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		$250,724 (-5.66%) Land $56,800 Building $193,924	$250,724 (-5.66%) Land $56,800 Building $193,924
2025	$3,913.00 (+5.36%)	$265,757 (-3.68%)	$265,757 (-3.68%) Land $56,800 Building $208,957
2024	$3,714.00 (+4.8%)	$275,906 (+6.43%)	$275,906 (+6.43%) Land $44,800 Building $231,106
2023	$3,544.00 (+5.85%)	$259,238 (+6.58%)	$259,238 (+6.58%) Land $44,800 Building $214,438
2022	$3,348.00	$243,244	$243,244 Land $44,800 Building $198,444

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

Flood

FEMA maps place 81 Silver Fern Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 86 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	86 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 81 Silver Fern Dr is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% 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-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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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