8581 Florence Cove Rd, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 8581 Florence Cove Rd, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,186 sqft · built 2008
Lot Size	0.66 acres (28,749 sqft)
Owner	2 Individual Names on Record
Last Sale	$995,000 (Sep 2017)
Tax Bill	$10,826 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`011420-0050`

Property Details

APN / Parcel Number

Primary APN	`011420-0050`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	19 Plumbing Fixtures
Stories	1 Story
Building Area	4,186 sqft Living Area
Gross Area	5,913 sqft
1st Floor Area	3,419 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	28,749 sqft (0.66 acres)
Garage Type	Attached
Garage Area	1,197 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	1,209 sqft
Porch	Patio
Porch Area	998 sqft
Deck Area	Deck Area
Patio Area	761 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8581 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 5 OF PATES UNREC PLAT OR4438/1300 & 5964/1586(L/E)
Legal Range	27E
Legal Township	06S
Legal Section	09
Legal Subdivision	PATES UNPLATTED
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 July 20, 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	8581 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Nov 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage BLASL ENT INC
Apr 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Sep 25, 2017	Warranty Deed, Transfer THOMAS A & CHRISTINA L WHITMORE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2017 · Amount on Record
Deed Sale	Sep 25, 2017 · Amount on Record
Prior Sale	Mar 20, 2014 · Amount on Record
Deed Document Number	201765008
Deed Book / Page	4438 / 1300
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	8581 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8581 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903

Mortgage

Document Number	0055951963
Date	Jul 12, 2022
Book Page	5595/1963
Instrument	2022068265

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	8581 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Document Number	0048331836
Instrument Date	Nov 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8581 FLORENCE COVE RD ST AUGUSTINE FL 320921903, ST AUGUSTINE, FL 32092-1903

Mortgage

Document Number	0048331836
Date	Nov 19, 2019
Book Page	004833/001836
Instrument	86563

Lender

Name	BLASL ENT INC
Address	601 N CONGRESS AVE # 113, DELRAY BEACH, FL 33445-4626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	8581 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Document Number	0047121903
Instrument Date	Apr 4, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8581 FLORENCE COVE RD ST AUGUSTINE FL 320921903, ST AUGUSTINE, FL 32092-1903

Mortgage

Document Number	0047121903
Date	Apr 23, 2019
Book Page	004712/001903
Instrument	27560

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 25, 2017
Property Address	8581 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Document Number	0044381300
Book / Page	004438 / 001300
Instrument Date	Sep 25, 2017
Instrument	65008
Transaction Type	Transfer
Record Updated	Oct 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,965.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8581 FLORENCE COVE RD ST AUGUSTINE FL 320921903, ST AUGUSTINE, FL 32092-1903

Mortgage

Document Number	44381307
Date	Sep 25, 2017
Book Page	004438/001307
Instrument	65011

Lender

Name	THOMAS A & CHRISTINA L WHITMORE
Address	PO BOX 1084, ERWIN, TN 37650-7084
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Sep 24, 2019

Interest

Rate Type	Fixed Rate
Rate	4%

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		$839,883 (+2.7%)	$1,083,337 (-7.85%) Land $280,000 Building $803,337
2025	$10,826.00 (+11.31%) Homeowner's exemption	$817,802 (+2.9%)	$1,175,678 (+4.97%) Land $280,000 Building $895,678
2024	$9,726.00 (+1.86%) Homeowner's exemption	$794,754 (+3%)	$1,120,043 (-1.01%) Land $280,000 Building $840,043
2023	$9,548.00 (+2.45%) Homeowner's exemption	$771,606 (+3%)	$1,131,525 (+9.02%) Land $280,000 Building $851,525
2022	$9,320.00 Homeowner's exemption	$749,132	$1,037,933 Land $280,000 Building $757,933

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 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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