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  5. Florence Cove Rd

8553 Florence Cove Rd, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 8553 Florence Cove Rd, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,554 sqft · built 2019
Lot Size0.5 acres (21,780 sqft)
Owner2 Individual Names on File
Last Sale$190,000 (Jul 2017)
Tax Bill$8,963 (2025)
Deeds & MortgagesJan 2026 Line of Credit
May 2019 Loan Modification
+ 1 more
Flood ZoneZone AE (high risk)
APN011440-0120

Property Details

APN / Parcel Number

Primary APN011440-0120

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures13 Plumbing Fixtures
Stories1 Story
Building Area2,554 sqft Living Area
Gross Area3,176 sqft
1st Floor Area2,554 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area21,780 sqft (0.5 acres)
Lot Width100 ft Width
Garage TypeAttached
Garage Area622 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area572 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address8553 FLORENCE COVE RD
CitySAINT AUGUSTINE
StateFL
Zip32092-1903
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPT OF LOT 5 - 100FT ON RIVER LOT 12 PATES UNREC PLAT BEING DEED PARCEL 1 OR4418/1361
Legal Range27E
Legal Township06S
Legal Section09
Legal SubdivisionPATES UNPLATTED
Legal Block1
Legal Lot Number5,12
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1015
Census Tract20908

Owner

Source: St. Johns County records · APN 011440-0120

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 Record2 Individual Names on File
Mailing Address8557 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 07, 2026Deed of Trust, Mortgage · Line of Credit
SPRING EQ LLC
May 07, 2019Loan Modification, Mortgage
HANCOCK WHITNEY BK
Aug 09, 2017Warranty Deed, Construction Loan · Construction Mortgage
HANCOCK BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 01, 2017 · Amount on Record
Deed SaleJul 01, 2017 · Amount on Record
Deed Book / Page4418 / 1361
Record UpdatedJun 08, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address8553 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Transaction TypeMortgage
Record UpdatedJan 22, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address8553 FLORENCE COVE RD, ST AUGUSTINE, FL 32092-1903

Mortgage

Document Number0062850684
DateJan 07, 2026
Book Page6285/684
Instrument2026001088
Lender
NameSPRING EQ LLC
TypeMortgage Company
AddressFLINT, MI 48501
Agreement
TypeLine of Credit
AmountAmount Recorded
Term241 Months
DueFeb 01, 2046
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address8553 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Document Number0047481582
Instrument DateMay 07, 2019
Transaction TypeMortgage
Record UpdatedJul 11, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address8553 FLORENCE COVE RD ST AUGUSTINE FL 32092, ST AUGUSTINE, FL 32092

Mortgage

Document Number0047481582
DateJun 27, 2019
Book Page004748/001582
Instrument45670
Lender
NameHANCOCK WHITNEY BK
AddressNEW ORLEANS, LA 70122
Agreement
AmountAmount Recorded
Term216 Months
DueJun 26, 2037
Interest
Rate TypeFixed Rate
Rate3.75%

August 2017: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateAug 09, 2017
Property Address8553 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Document Number0044181361
Book / Page004418 / 001361
Instrument DateJul 26, 2017
Instrument55132
Transaction TypeConstruction Loan
Record UpdatedAug 29, 2017
Title CompanyKENDALL TITLE SERVICES, KENDALL TITLE SVCS

Transaction

AmountAmount Recorded
Tax$1,330.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address8557 FLORENCE COVE RD ST AUGUSTINE FL 320921903, ST AUGUSTINE, FL 32092-1903

Mortgage

Document Number44181369
DateAug 09, 2017
Book Page004418/001369
Instrument55135
Lender
NameHANCOCK BK
TypeBank
AddressGULFPORT, MS 39502
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term240 Months
DueAug 08, 2037

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$649,788 (-0.26%) Land $280,000 Building $369,788$649,788 (-0.26%) Land $280,000 Building $369,788
2025$8,963.00 (+14.94%)$651,471 (+1.85%)$651,471 (+1.85%) Land $280,000 Building $371,471
2024$7,798.00 (+3.78%)$639,614 (%)$639,614 (%) Land $280,000 Building $359,614
2023$7,514.00 (+8.4%)$639,639 (+8.68%)$639,639 (+8.68%) Land $280,000 Building $359,639
2022$6,932.00$588,532$588,532 Land $280,000 Building $308,532

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation4.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 121 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies121 in force
Nearby Flood Claims28 (2008–2024)
Claims Outside the SFHA6 of 28
Most Recent ClaimOct 2024, river or lake flooding, Hurricane Milton
Claims By Storm
  • Hurricane Irma, Sep 2017 · 15 claims
  • Hurricane Matthew, Oct 2016 · 8 claims

Wildfire

Wildfire RiskModerate
above 50% of the US · above 20% of Florida
Wildfire LikelihoodAbout 1 in 1,136 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 16 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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