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

St. Johns County property record for 905 Mirror Lake Dr, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,225 sqft · built 2004
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$439,900 (Dec 2020)
Tax Bill	$4,839 (2025)
Deeds & Mortgages	Nov 2023 Transfer Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`183627-0360`

Property Details

APN / Parcel Number

Primary APN	`183627-0360`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,225 sqft Living Area
Gross Area	3,147 sqft
1st Floor Area	2,225 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	1,074 sqft
Patio Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	905 MIRROR LAKE DR
City	SAINT AUGUSTINE
State	FL
Zip	32086-4839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	44/30-41 SEA PINES LOT 36 OR5133/1607 & 5852/1707(Q/C)
Legal Range	30E
Legal Township	08S
Legal Section	33
Legal Subdivision	SEA PINES
Legal Block	2
Legal Lot Number	36
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	2
Census Block	2012
Census Tract	21211

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	905 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 23, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2020 · Amount on Record
Deed Sale	Dec 23, 2020 · Amount on Record
Prior Sale	Jul 17, 2014 · Amount on Record
Deed Document Number	2020117827
Deed Book / Page	5133 / 1607
Last Transfer Date	Sep 28, 2023
Transfer Doc	0058521707
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Nov 6, 2023
Property Address	905 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4839
Document Number	0058521707
Book / Page	5852 / 1707
Map Reference	MB 44 PG 30-41
Instrument Date	Sep 28, 2023
Instrument	2023087184
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4839

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 23, 2020
Property Address	905 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4839
Document Number	0051331607
Book / Page	5133 / 1607
Map Reference	MB 44 PG 30-41
Instrument Date	Dec 22, 2020
Instrument	2020117827
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	PARADISE TTL OF ST AGUSTINE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,079.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	319 S OCEAN TRACE RD, 319, SAINT AUGUSTINE, FL 32080-6167

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4839

Mortgage

Document Number	51331610
Date	Dec 23, 2020
Instrument	5133/1610

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional 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		$383,307 (+2.7%)	$479,381 (-0.53%) Land $136,842 Building $342,539
2025	$4,839.00 (+12.35%) Homeowner's exemption	$373,230 (+5.99%)	$481,912 (+1.65%) Land $136,842 Building $345,070
2024	$4,307.00 (+1.96%)
2023	$4,224.00 (+2.82%) Homeowner's exemption	$352,147 (+3%)	$474,076 (+9.8%) Land $91,840 Building $382,236
2022	$4,108.00 Homeowner's exemption	$341,890	$431,748 Land $91,840 Building $339,908

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

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	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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