825 Oak Arbor Cir, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 825 Oak Arbor Cir, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,660 sqft · built 2006
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$346,100 (Dec 2021)
Tax Bill	$6,049 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Nov 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`103201-1040`

Property Details

APN / Parcel Number

Primary APN	`103201-1040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,660 sqft Living Area
Gross Area	2,260 sqft
1st Floor Area	1,660 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	200 sqft
Porch	Finished Screened Porch
Porch Area	256 sqft
Deck Area	Deck Area
Patio Area	1,120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	825 OAK ARBOR CIR
City	SAINT AUGUSTINE
State	FL
Zip	32084-8554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/42-48 HERITAGE PARK PHASE 1A LOT 104 OR5440/1344
Legal Range	29E
Legal Township	07S
Legal Section	57
Legal Subdivision	HERITAGE PARK PHASE 1A
Legal Phase	1A
Legal Block	1
Legal Lot Number	104
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1005
Census Tract	20903

Owner

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	2 Individual Names on Record
Mailing Address	825 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Warranty Deed, Transfer · VA Mortgage HANCOCK MORTGAGE PARTNERS LLC
Nov 13, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NBRHD MTG ACCPTNC
Nov 5, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2021 · Amount on Record
Deed Sale	Dec 8, 2021 · Amount on Record
Prior Sale	Nov 5, 2020
Deed Document Number	2021133117
Deed Book / Page	5440 / 1344
Prior Transfer Date	Nov 9, 2020
Prior Transfer Doc	0050961579
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 8, 2021
Property Address	825 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8554
Document Number	0054401344
Book / Page	5440 / 1344
Map Reference	MB 50 PG 42-48
Instrument Date	Dec 6, 2021
Instrument	2021133117
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,422.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	290 RINCON DR, ST AUGUSTINE, FL 32095-6714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8554

Mortgage

Document Number	0054401346
Date	Dec 8, 2021
Instrument	5440/1346

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 13, 2020
Property Address	825 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8554
Document Number	0050961579
Book / Page	005096 / 001579
Instrument Date	Nov 9, 2020
Instrument	102168
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	290 RINCON DR ST AUGUSTINE FL 320956714, ST AUGUSTINE, FL 32095-6714

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	825 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8554
Document Number	0050911767
Instrument Date	Oct 30, 2020
Transaction Type	Mortgage
Record Updated	Nov 18, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 OAK ARBOR CIR ST AUGUSTINE FL 320848554, ST AUGUSTINE, FL 32084-8554

Mortgage

Document Number	0050911767
Date	Nov 5, 2020
Book Page	005091/001767
Instrument	99872

Lender

Name	AMERICAN NBRHD MTG ACCPTNC
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 4, 2035

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 5, 2020
Property Address	825 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8554
Document Number	0050911765
Book / Page	005091 / 001765
Instrument Date	May 7, 2015
Instrument	99871
Transaction Type	Transfer
Record Updated	Nov 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 OAK ARBOR CIR ST AUGUSTINE FL 320848554, ST AUGUSTINE, FL 32084-8554

Tax Assessment & Valuation

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		$352,219 (+3.31%) Land $85,000 Building $267,219	$352,219 (+3.31%) Land $85,000 Building $267,219
2025	$6,049.00 (+10.18%)	$340,922 (+1.97%)	$340,922 (+1.97%) Land $80,000 Building $260,922
2024	$5,490.00 (+4.19%)	$334,346 (+4.69%)	$334,346 (+4.69%) Land $90,000 Building $244,346
2023	$5,269.00 (+2.93%)	$319,353 (+4.2%)	$319,353 (+4.2%) Land $90,000 Building $229,353
2022	$5,119.00	$306,494	$306,494 Land $80,640 Building $225,854

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

Flood

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 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

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

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

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 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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, 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 428 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

May also be available: AT&T.

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