905 Oak Ridge Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 905 Oak Ridge Rd, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,935 sqft · built 2024
Lot Size	3.18 acres (138,520 sqft)
Owner	2 Individual Names on Record
Last Sale	$49,000 (Dec 2023)
Tax Bill	$8,905 (2025)
Deeds & Mortgages	Dec 2023 Sale & Construction Loan Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`099960-0010`

Property Details

APN / Parcel Number

Primary APN	`099960-0010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,935 sqft Living Area
Gross Area	3,735 sqft
1st Floor Area	2,935 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	138,520 sqft (3.18 acres)
Garage Type	Attached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	905 OAK RIDGE RD
City	SAINT AUGUSTINE
State	FL
Zip	32086-4323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	10-41 ST AUGUSTINE HEIGHTS UT 3 (1) E 220FT OF TRACT 53 OR5497/201 & 5869/1504
Legal Range	29E
Legal Township	08S
Legal Section	01
Legal Subdivision	ST. AUGUSTINE HEIGHTS UNIT 3
Legal Tract	53
Legal Block	3
Legal Lot Number	53-1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	21301

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	2 Individual Names on Record
Mailing Address	905 OAK RIDGE RD, SAINT AUGUSTINE, FL 32086-4323
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Warranty Deed, Transfer · Construction Mortgage TD BANK NA
Feb 18, 2022	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2023 · Amount on Record
Deed Sale	Dec 12, 2023 · Amount on Record
Deed Document Number	202396248
Deed Book / Page	5869 / 1504
Prior Transfer Date	Dec 8, 2023
Prior Transfer Doc	0058691504
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 12, 2023
Property Address	905 OAK RIDGE RD, SAINT AUGUSTINE, FL 32086-4323
Document Number	0058691504
Book / Page	5869 / 1504
Map Reference	MB 10 PG 40&41
Instrument Date	Dec 8, 2023
Instrument	2023096248
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$343.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 CROWN WHEEL CIR, FRUIT COVE, FL 32259-8214

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	905 OAK RIDGE RD, SAINT AUGUSTINE, FL 32086-4323

Mortgage

Document Number	0058691506
Date	Dec 12, 2023
Instrument	5869/1506

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 18, 2022
Property Address	905 OAK RIDGE RD, SAINT AUGUSTINE, FL 32086-4323
Document Number	0054970201
Book / Page	5497 / 201
Map Reference	MB 10 PG 40&41
Instrument Date	Feb 17, 2022
Instrument	2022018528
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	ADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,627.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12160 PHEON ST, JACKSONVILLE, FL 32224-7718

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 S ATLANTIC AVE, ORMOND BEACH, FL 32176-8149

Mortgage

Document Number	0005497202
Date	Feb 18, 2022
Instrument	5497/202

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Mar 1, 2025
Change Frequency	6 Months
Min Rate At Change	6.25%
Max Rate At Change	8.25%
Index	Other
Max Rate	11.2%

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		$757,041 (+12.14%)	$799,113 (-9.52%) Land $209,880 Building $589,233
2025	$8,905.00 (+238.34%) Homeowner's exemption	$675,113 (+221.67%)	$883,231 (+320.83%) Land $209,880 Building $673,351
2024	$2,632.00 (-7.58%)	$209,880 (-6.46%)	$209,880 (-6.46%) Land $209,880
2023	$2,848.00 (+57.96%)	$224,381 (-)	$224,381 (-) Land $224,381
2022	$1,803.00	$224,381	$224,381 Land $224,381

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 46 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	46 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 40% of the US · lower than 87% 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.

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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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