St. Johns County property record for 820 Oak Arbor Cir, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,471 sqft · built 2006 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $370,000 (Apr 2023) |
| Tax Bill | $4,619 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Dec 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 103201-0060 |
| Primary APN | 103201-0060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,471 sqft Living Area |
| Gross Area | 1,911 sqft |
| 1st Floor Area | 1,471 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 25 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 820 OAK ARBOR CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-8507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 50/42-48 HERITAGE PARK PHASE 1A LOT 6 OR5744/604 |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 57 |
| Legal Subdivision | HERITAGE PARK PHASE 1A |
| Legal Phase | 1A |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 20903 |
Source: St. Johns County records · APN 103201-0060
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 | 820 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 21, 2023 | Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD |
| Dec 28, 2020 | Warranty Deed, Transfer ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT |
| Nov 13, 2020 | Warranty Deed, Transfer ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 21, 2023 · Amount on Record |
| Deed Sale | Apr 21, 2023 · Amount on Record |
| Prior Sale | Dec 28, 2020 · Amount on Record |
| Deed Document Number | 202330242 |
| Deed Book / Page | 5744 / 604 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 21, 2023 |
| Property Address | 820 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8507 |
| Document Number | 0057440604 |
| Book / Page | 5744 / 604 |
| Map Reference | MB 50 PG 42-48 |
| Instrument Date | Apr 17, 2023 |
| Instrument | 2023030242 |
| Transaction Type | Transfer |
| Record Updated | May 09, 2023 |
| Title Company | GIBRALTAR TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 616 19TH ST, SAINT AUGUSTINE, FL 32084-1732 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 820 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8507 |
| Document Number | 0005744606 |
|---|---|
| Date | Apr 21, 2023 |
| Instrument | 5744/606 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Document Number | 0057520624 |
|---|---|
| Date | May 05, 2023 |
| Book Page | 5752/624 |
| Instrument | 2023034300 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 28, 2020 |
| Property Address | 820 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8507 |
| Document Number | 0051351611 |
| Book / Page | 005135 / 001611 |
| Instrument Date | Dec 28, 2020 |
| Instrument | 118528 |
| Transaction Type | Transfer |
| Record Updated | Jan 07, 2021 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,607.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 616 19TH ST ST AUGUSTINE FL 320841732, ST AUGUSTINE, FL 32084-1732 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 13, 2020 |
| Property Address | 820 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8507 |
| Document Number | 0050971700 |
| Book / Page | 005097 / 001700 |
| Instrument Date | Nov 12, 2020 |
| Instrument | 102574 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2020 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,260.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 200 MARSHSIDE DR ST AUGUSTINE FL 320805804, ST AUGUSTINE, FL 32080-5804 |
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 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 | $281,381 (+2.7%) | $286,862 (+4.7%) Land $85,000 Building $201,862 | |
| 2025 | $4,619.00 (+3.7%) Homeowner's exemption | $273,983 (-1.3%) | $273,983 (-1.3%) Land $80,000 Building $193,983 |
| 2024 | $4,454.00 (+3.41%) | ||
| 2023 | $4,307.00 (+3.38%) | $277,584 (+0.23%) | $277,584 (+0.23%) Land $90,000 Building $187,584 |
| 2022 | $4,166.00 | $276,936 | $276,936 Land $80,640 Building $196,296 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 40 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
Based on FCC filings for 428 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. AUGUSTINE WS serves 43,069 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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