91 Spanish Bay Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 91 Spanish Bay Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,492 sqft · built 2015
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on File
Last Sale	$280,779 (Nov 2015)
Tax Bill	$6,215 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026551-3630`

Property Details

APN / Parcel Number

Primary APN	`026551-3630`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,492 sqft Living Area
Gross Area	3,114 sqft
1st Floor Area	2,492 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	91 SPANISH BAY DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3222
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	70/66-72 GLEN ST JOHNS PHASE 2B LOT 363 OR4110/1957
Legal Range	28E
Legal Township	05S
Legal Section	28
Legal Subdivision	GLEN ST. JOHNS PHASE 2B
Legal Phase	2B
Legal Block	1
Legal Lot Number	363
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2008
Census Tract	20908

Owner

91 Spanish Bay Dr is owned and occupied by two individuals who bought it in November 2015.

Source: St. Johns County records, as of April 13, 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 File
Mailing Address	91 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2015 · Amount on File
Deed Sale	Nov 12, 2015 · Amount on File
Deed Document Number	201571807
Deed Book / Page	4110 / 1957
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	91 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SPANISH BAY DR, SAINT AUGUSTINE, FL 32092-3222

Mortgage

Document Number	0050361415
Date	Sep 8, 2020
Book Page	5036/1415
Instrument	2020076072

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2045

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		$279,554 (+2.7%)	$406,074 (-5.85%) Land $100,000 Building $306,074
2025	$6,215.00 (+6.92%) Homeowner's exemption	$272,204 (+2.9%)	$431,284 (-0.16%) Land $112,000 Building $319,284
2024	$5,813.00 (+3.66%) Homeowner's exemption	$264,533 (+3%)	$431,996 (+3.65%) Land $110,000 Building $321,996
2023	$5,608.00 (+4.76%) Homeowner's exemption	$256,828 (+3%)	$416,794 (+3.19%) Land $105,000 Building $311,794
2022	$5,353.00 Homeowner's exemption	$249,348	$403,925 Land $89,600 Building $314,325

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 91 Spanish Bay Dr in Zone X, an area of minimal flood risk.

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 File median of 103 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	103 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

Wildfire risk around 91 Spanish Bay Dr is moderate, ranking above 62% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.1% 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	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 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	2 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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20