888 Oak Arbor Cir, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 888 Oak Arbor Cir, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,487 sqft · built 2005
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Dec 2014)
Tax Bill	$3,599 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`103201-0230`

Property Details

APN / Parcel Number

Primary APN	`103201-0230`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,487 sqft Living Area
Gross Area	2,113 sqft
1st Floor Area	1,487 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	422 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	253 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	888 OAK ARBOR CIR
City	SAINT AUGUSTINE
State	FL
Zip	32084-6507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/42-48 HERITAGE PARK PHASE 1A LOT 23 OR3968/936
Legal Range	29E
Legal Township	07S
Legal Section	57
Legal Subdivision	HERITAGE PARK PHASE 1A
Legal Phase	1A
Legal Block	1
Legal Lot Number	23
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1004
Census Tract	20903

Owner

Source: St. Johns County records, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	888 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-6507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 29, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Oct 26, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2014 · Amount on Record
Deed Sale	Dec 23, 2014 · Amount on Record
Prior Sale	Aug 26, 2005 · Amount on Record
Deed Document Number	201474366
Deed Book / Page	3968 / 936
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	888 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-6507
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	888 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-6507

Mortgage

Document Number	0058190969
Date	Sep 5, 2023
Book Page	5819/969
Instrument	2023069665

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 26, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	888 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-6507
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050800678
Date	Oct 26, 2020
Book Page	5080/678
Instrument	2020094924

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	888 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-6507
Document Number	0047710483
Instrument Date	Jul 29, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	888 OAK ARBOR CIR ST AUGUSTINE FL 320846507, ST AUGUSTINE, FL 32084-6507

Mortgage

Document Number	0047710483
Date	Aug 2, 2019
Book Page	004771/000483
Instrument	56477

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	888 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-6507
Document Number	0046340859
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 15, 2018
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	888 OAK ARBOR CIR ST AUGUSTINE FL 320846507, ST AUGUSTINE, FL 32084-6507

Mortgage

Document Number	0046340859
Date	Oct 31, 2018
Book Page	004634/000859
Instrument	78715

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2048

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		$203,923 (+2.7%)	$283,467 (+3.14%) Land $85,000 Building $198,467
2025	$3,599.00 (+12.08%) Homeowner's exemption	$198,562 (+5.99%)	$274,843 (-1.31%) Land $80,000 Building $194,843
2024	$3,211.00 (+4.15%)
2023	$3,083.00 (+2.39%) Homeowner's exemption	$187,346 (+3%)	$278,505 (-0.69%) Land $90,000 Building $188,505
2022	$3,011.00 Homeowner's exemption	$181,889	$280,445 Land $80,640 Building $199,805

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force

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 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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