St. Johns County property record for 8495 Florence Cove Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,762 sqft · built 2002 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $435,000 (Mar 2019) |
| Tax Bill | $334 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Mar 2022 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 011460-0070 |
| Primary APN | 011460-0070 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,762 sqft Living Area |
| Gross Area | 3,262 sqft |
| 1st Floor Area | 1,482 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 19,166 sqft (0.44 acres) |
| Lot Dimensions | 100 ft deep x 135 ft wide |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 24 sqft |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8495 FLORENCE COVE RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-1901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | PT OF GL 5 LOTS 7 & 8 OF FULLERS UNREC PLAT OR4688/1394 |
| Legal Range | 27E |
| Legal Township | 06S |
| Legal Section | 09 |
| Legal Subdivision | FULLERS UNPLATTED |
| Legal Block | 1 |
| Legal Lot Number | 7,8 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 20908 |
8495 Florence Cove Rd is owned and occupied by two individuals who bought it in March 2019.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8495 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 27, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Mar 24, 2022 | Deed of Trust, Mortgage · VA Mortgage ACADEMY BANK NA |
| Dec 30, 2020 | Deed of Trust, Mortgage · VA Mortgage KS STATEBANK |
| Feb 10, 2020 | Deed of Trust, Mortgage · VA Mortgage KS STATEBANK |
| Mar 4, 2019 | Warranty Deed, Transfer · VA Mortgage KS STATEBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2019 · Amount on File |
| Deed Sale | Mar 4, 2019 · Amount on File |
| Prior Sale | Sep 9, 2014 · Amount on File |
| Deed Document Number | 201914637 |
| Deed Book / Page | 4688 / 1394 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 8495 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1901 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 8495 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1901 |
| Investor | Possibly a Property Investor |
| Document Number | 0062460798 |
|---|---|
| Date | Oct 27, 2025 |
| Book Page | 6246/798 |
| Instrument | 2025087701 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 8495 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1901 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 8495 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1901 |
| Document Number | 0055221851 |
|---|---|
| Date | Mar 24, 2022 |
| Book Page | 5522/1851 |
| Instrument | 2022031312 |
| Name | ACADEMY BANK NA |
|---|---|
| Type | Bank |
| Address | OVERLAND PARK, KS 66210 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 8495 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1901 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 8495 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1901 |
| Document Number | 0051380382 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 5138/382 |
| Instrument | 2020119509 |
| Name | KS STATEBANK |
|---|---|
| Type | Bank |
| Address | MANHATTAN, KS 66502 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 8495 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1901 |
| Document Number | 0048890831 |
| Instrument Date | Feb 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2020 |
| Title Company | WORLDWIDE RECORDING INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 8495 FLORENCE COVE RD ST AUGUSTINE FL 320921901, ST AUGUSTINE, FL 32092-1901 |
| Document Number | 0048890831 |
|---|---|
| Date | Feb 25, 2020 |
| Book Page | 004889/000831 |
| Instrument | 14816 |
| Name | KS STATEBANK |
|---|---|
| Address | MANHATTAN, KS 66502 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 24, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 4, 2019 |
| Property Address | 8495 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1901 |
| Document Number | 0046881394 |
| Book / Page | 004688 / 001394 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 14637 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2019 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,045.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 8495 FLORENCE COVE RD ST AUGUSTINE FL 320921901, ST AUGUSTINE, FL 32092-1901 |
| Document Number | 46881397 |
|---|---|
| Date | Mar 4, 2019 |
| Book Page | 004688/001397 |
| Instrument | 14638 |
| Name | KS STATEBANK |
|---|---|
| Address | MANHATTAN, KS 66502 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 3, 2049 |
The 2025 property tax bill for 8495 Florence Cove Rd was $334 with a veteran's exemption, up 31.5% 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 | $439,062 (+2.7%) | $622,308 (+0.3%) Land $255,150 Building $367,158 | |
| 2025 | $334.00 (+31.5%) Disabled Person's exemption Veteran's exemption | $427,519 (+16.98%) | $620,432 (+16.47%) Land $255,150 Building $365,282 |
| 2024 | $254.00 Disabled Person's exemption Veteran's exemption | $365,470 (+3%) | $532,677 (-0.79%) Land $226,800 Building $305,877 |
| 2023 | $254.00 (-93.71%) Disabled Person's exemption Veteran's exemption | $354,825 (+3.95%) | $536,900 (+8.78%) Land $226,800 Building $310,100 |
| 2022 | $4,037.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $341,336 | $493,565 Land $226,800 Building $266,765 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8495 Florence Cove Rd in Zone X, an area of moderate flood risk, within 100 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 121 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 121 in force |
| Nearby Flood Claims | 28 (2008–2024) |
| Claims Outside the SFHA | 6 of 28 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 8495 Florence Cove Rd is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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