904 Mirror Lake Dr, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 904 Mirror Lake Dr, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,200 sqft · built 2020
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$92,000 (Feb 2019)
Tax Bill	$7,804 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Mar 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`183627-0920`

Property Details

APN / Parcel Number

Primary APN	`183627-0920`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	3,200 sqft Living Area
Gross Area	3,973 sqft
1st Floor Area	3,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	773 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	339 sqft
Porch	Finished/Open Porch
Porch Area	389 sqft
Patio Area	561 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	904 MIRROR LAKE DR
City	SAINT AUGUSTINE
State	FL
Zip	32086-4841
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	44/30-41 SEA PINES LOT 92 OR4681/755
Legal Range	30E
Legal Township	08S
Legal Section	33
Legal Subdivision	SEA PINES
Legal Block	2
Legal Lot Number	92
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	2
Census Block	2016
Census Tract	21211

Owner

Source: St. Johns County assessment roll, 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	2 Individual Names on File
Mailing Address	904 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4841
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2019	Deed of Trust, Mortgage BRANCH BK&TR
Mar 27, 2019	Warranty Deed, Transfer RONALD G & SUZANNE M TUMLIN
Feb 15, 2019	Warranty Deed, Transfer PALATKA ABSTRACT AND TITLE GUARA, PALATKA ABSTRACT & TITLE GUARA
Feb 28, 2018	Warranty Deed, Transfer ISLAND TITLE/STATE AUGUSTINE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 15, 2019 · Amount on Record
Deed Sale	Feb 15, 2019 · Amount on Record
Prior Sale	Feb 28, 2018 · Amount on Record
Deed Document Number	201910907
Deed Book / Page	4681 / 755
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	904 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4841
Document Number	0047761816
Instrument Date	Aug 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	LAND TITLE/AMERICA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7872 MONTEREY BAY DR JACKSONVILLE FL 322562935, JACKSONVILLE, FL 32256-2935

Mortgage

Document Number	0047761816
Date	Aug 13, 2019
Book Page	004776/001816
Instrument	59279

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 27, 2019
Property Address	904 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4841
Document Number	0047000851
Book / Page	004700 / 000851
Instrument Date	Mar 25, 2019
Instrument	20912
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	PALATKA ABSTRACT AND TITLE GUARA, PALATKA ABSTRACT & TITLE GUARA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$11,718.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7100 ALA SOUTH ST ST AUGUSTINE FL 32080, ST AUGUSTINE, FL 32080

Mortgage

Document Number	47000853
Date	Mar 27, 2019
Book Page	004700/000853
Instrument	20913

Lender

Name	RONALD G & SUZANNE M TUMLIN
Address	505 PEBBLE BROOK DR, ST AUGUSTINE, FL 32086-4831
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Mar 26, 2022

Interest

Rate	5%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 15, 2019
Property Address	904 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4841
Document Number	0046810755
Book / Page	004681 / 000755
Instrument Date	Feb 15, 2019
Instrument	10907
Transaction Type	Transfer
Record Updated	Feb 27, 2019
Title Company	PALATKA ABSTRACT AND TITLE GUARA, PALATKA ABSTRACT & TITLE GUARA

Transaction

Amount	Amount Recorded
Tax	$644.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7872 MONTEREY BAY DR JACKSONVILLE FL 322562935, JACKSONVILLE, FL 32256-2935

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 28, 2018
Property Address	904 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4841
Document Number	0045090381
Book / Page	004509 / 000381
Instrument Date	Feb 28, 2018
Instrument	13325
Transaction Type	Transfer
Record Updated	Mar 13, 2018
Title Company	ISLAND TITLE/STATE AUGUSTINE LLC

Transaction

Amount	Amount Recorded
Tax	$609.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7060 A1A S ST AUGUSTINE FL 320808105, ST AUGUSTINE, FL 32080-8105

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		$609,416 (+2.7%)	$726,013 (-1.69%) Land $156,000 Building $570,013
2025	$7,804.00 (+11.63%) Homeowner's exemption	$593,394 (+2.9%)	$738,482 (-7.01%) Land $156,000 Building $582,482
2024	$6,991.00 (+1.89%) Homeowner's exemption	$576,671 (+3%)	$794,141 (+8.94%) Land $105,280 Building $688,861
2023	$6,861.00 (+2.57%) Homeowner's exemption	$559,875 (+3%)	$728,969 (+12.22%) Land $105,280 Building $623,689
2022	$6,689.00 Homeowner's exemption	$543,568	$649,609 Land $105,280 Building $544,329

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 109 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	109 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 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000

May also be available: Verizon.

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