8535 Florence Cove Rd, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 8535 Florence Cove Rd, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,833 sqft · built 2005
Lot Size	1.83 acres (79,714 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,350,000 (Jan 2022)
Tax Bill	$334 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jan 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`011513-0000`

Property Details

APN / Parcel Number

Primary APN	`011513-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	3,833 sqft Living Area
Gross Area	5,368 sqft
1st Floor Area	1,449 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	79,714 sqft (1.83 acres)
Lot Width	171 ft Width
Garage Type	Attached
Garage Area	935 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	375 sqft
Porch	Finished Screened Porch
Porch Area	1,406 sqft
Deck Area	Deck Area
Patio Area	207 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8535 FLORENCE COVE RD
City	SAINT AUGUSTINE
State	FL
Zip	32092-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CHT
Legal Description	14-1 PT OF LOT 5 - 150FT ON RIVER & 220FT ON FLORENCE COVE RD OR5464/748
Legal Range	27E
Legal Township	06S
Legal Section	09
Legal Block	1
Legal Lot Number	5
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1015
Census Tract	20908

Owner

Source: St. Johns County records, as of June 17, 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	8535 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jan 7, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2022 · Amount on Record
Deed Sale	Jan 7, 2022 · Amount on Record
Deed Document Number	20222362
Deed Book / Page	5464 / 748
Prior Transfer Date	Apr 6, 2001
Prior Transfer Doc	0000015412
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	8535 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8535 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903

Mortgage

Document Number	0056880276
Date	Dec 30, 2022
Book Page	5688/276
Instrument	2022116601

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 25, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 7, 2022
Property Address	8535 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Document Number	0054640748
Book / Page	5464 / 748
Instrument Date	Jan 6, 2022
Instrument	2022002362
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	GARROW TITLE, ARROW TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5506, SALT SPRINGS, FL 32134-5506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8535 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903

Mortgage

Document Number	0005464750
Date	Jan 7, 2022
Instrument	5464/750

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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		$1,206,579 (-0.88%) Land $478,800 Building $727,779	$1,206,579 (-4.15%) Land $478,800 Building $727,779
2025	$334.00 (+31.5%) Disabled Person's exemption Veteran's exemption	$1,217,321 (+11.16%)	$1,258,782 (+14.95%) Land $478,800 Building $779,982
2024	$254.00 (-98.12%) Disabled Person's exemption Veteran's exemption	$1,095,084 (+0.83%)	$1,095,084 (-1.14%) Land $376,200 Building $718,884
2023	$13,476.00 (+89.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$1,086,049 (+80.04%)	$1,107,743 (+11.57%) Land $376,200 Building $731,543
2022	$7,108.00 Homeowner's exemption Senior Citizen's exemption	$603,210	$992,870 Land $335,160 Building $657,710

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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 Record 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	Hurricane Irma, Sep 2017 · 15 claims Hurricane Matthew, Oct 2016 · 8 claims

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	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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