8589 Florence Cove Rd, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 8589 Florence Cove Rd, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,785 sqft · built 1980
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Dec 2020)
Tax Bill	$10,138 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011420-0030`

Property Details

APN / Parcel Number

Primary APN	`011420-0030`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,785 sqft Living Area
Gross Area	3,598 sqft
1st Floor Area	1,424 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2005
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	30,056 sqft (0.69 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	501 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Glass Porch
Porch Area	413 sqft
Deck Area	932 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8589 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	PART OF LOTS 4 & 5 - 100FT ON RIVER LOT 3 OF PATES UNREC PLAT OR5126/1805
Legal Range	27E
Legal Township	06S
Legal Section	09
Legal Subdivision	PATES UNPLATTED
Legal Block	1
Legal Lot Number	4,5,3
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8589 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA
Feb 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Dec 16, 2020	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2020 · Amount on Record
Deed Sale	Dec 16, 2020 · Amount on Record
Prior Sale	Dec 28, 2001 · Amount on Record
Deed Document Number	2020114978
Deed Book / Page	5126 / 1805
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	8589 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8589 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903

Mortgage

Document Number	0055470491
Date	Apr 28, 2022
Book Page	5547/491
Instrument	2022043571

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Apr 26, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	8589 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GIBRALTAR TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048841281
Date	Feb 18, 2020
Book Page	4884/1281
Instrument	2020012551

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 16, 2020
Property Address	8589 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903
Document Number	0051261805
Book / Page	5126 / 1805
Instrument Date	Dec 9, 2020
Instrument	2020114978
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	GIBRALTAR TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13883 ATHENS DR, 13883, JACKSONVILLE, FL 32223-5031

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8589 FLORENCE COVE RD, SAINT AUGUSTINE, FL 32092-1903

Mortgage

Document Number	51261807
Date	Dec 16, 2020
Instrument	5126/1807

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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		$763,856 (-0.37%) Land $280,000 Building $483,856	$763,856 (-0.37%) Land $280,000 Building $483,856
2025	$10,138.00 (+9.43%) Homeowner's exemption	$766,662 (+1.16%)	$766,662 (+1.16%) Land $280,000 Building $486,662
2024	$9,264.00 (+6.77%) Homeowner's exemption	$757,895 (+6.08%)	$757,895 (+6.08%) Land $280,000 Building $477,895
2023	$8,677.00 (+6.4%)	$714,475 (+4.25%)	$714,475 (+4.25%) Land $280,000 Building $434,475
2022	$8,155.00	$685,363	$685,363 Land $280,000 Building $405,363

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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 42% of the US · lower than 86% 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.

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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