8561 Florence Cove Rd, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 8561 Florence Cove Rd, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,788 sqft · built 2000
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (Jul 2017)
Tax Bill	$9,306 (2025)
Deeds & Mortgages	Jul 2026 Sale Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`011440-0100`

Property Details

APN / Parcel Number

Primary APN	`011440-0100`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	21 Plumbing Fixtures
Stories	1 Story
Building Area	3,788 sqft Living Area
Gross Area	5,030 sqft
1st Floor Area	2,056 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,344 sqft (0.49 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	853 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Finished Screened Porch
Porch Area	665 sqft
Deck Area	Deck Area
Patio Area	1,090 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8561 FLORENCE COVE RD
City	SAINT AUGUSTINE
State	FL
Zip	32092-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	PT OF LOT 5 - 100FT ON RIVER LOT 10 OF PATES UNREC PLAT OR4408/1761
Legal Range	27E
Legal Township	06S
Legal Section	09
Legal Subdivision	PATES UNPLATTED
Legal Block	1
Legal Lot Number	5,10
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1015
Census Tract	20908

Owner

8561 Florence Cove Rd is owned and occupied by two individuals who acquired it in July 2026.

Source: St. Johns County records, as of August 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8561 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Mar 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 25, 2017	Deed of Trust, Mortgage LAWRENCE G MALLOY
Jan 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALKAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2017 · Amount on File
Deed Sale	Jul 1, 2017 · Amount on File
Prior Sale	Jul 8, 2015 · Amount on File
Deed Book / Page	4408 / 1761
Last Transfer Date	Jul 17, 2026
Transfer Doc	0000061692
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 20, 2026
Property Address	8561 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Document Number	0000061692
Book / Page	6404 / 601
Instrument Date	Jul 17, 2026
Instrument	202661692
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	8561 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	8561 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8561 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903

Mortgage

Document Number	0055130685
Date	Mar 11, 2022
Book Page	5513/685
Instrument	2022026548

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Apr 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	8561 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044081761
Date	Jul 25, 2017
Book Page	4408/1761
Instrument	2017050751

Lender

Name	LAWRENCE G MALLOY
Type	Private Party
Address	JACKSONVILLE, FL 32222

Agreement

Amount	Amount on Record

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	8561 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048740292
Date	Jan 30, 2020
Book Page	4874/0292
Instrument	2020007359

Lender

Name	ALKAN MORTGAGE CORP
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Feb 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

Tax Assessment & Valuation

The 2025 property tax bill for 8561 Florence Cove Rd was $9,306 with exemptions applied, up 11.5% from the year before.

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		$729,078 (+2.7%)	$998,380 (+1.6%) Land $280,000 Building $718,380
2025	$9,306.00 (+11.48%) Homeowner's exemption Widower's exemption	$709,910	$982,680 Land $280,000 Building $702,680
2024	$8,348.00 (+1.89%)
2023	$8,193.00 (+1.71%) Homeowner's exemption Widower's exemption	$669,809 (+3%)	$960,661 (+12.85%) Land $280,000 Building $680,661
2022	$8,055.00 Homeowner's exemption	$650,300	$851,305 Land $280,000 Building $571,305

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

Flood

FEMA maps place 8561 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	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

Wildfire risk around 8561 Florence Cove Rd is moderate, ranking above 50% of the US, with a 0.09% annual chance of 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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