St. Johns County property record for 912 Mirror Lake Dr, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,246 sqft · built 2018 |
| Lot Size | 0.28 acres (12,196 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $90,000 (Sep 2015) |
| Tax Bill | $5,001 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 183627-0930 |
| Primary APN | 183627-0930 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,246 sqft Living Area |
| Gross Area | 3,163 sqft |
| 1st Floor Area | 2,246 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,196 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 353 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 912 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 93 OR4083/90 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 33 |
| Legal Subdivision | SEA PINES |
| Legal Block | 2 |
| Legal Lot Number | 93 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 21211 |
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 | 912 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4841 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2015 · Amount on Record |
| Deed Sale | Sep 9, 2015 · Amount on Record |
| Prior Sale | Sep 29, 2003 · Amount on Record |
| Deed Document Number | 201557195 |
| Deed Book / Page | 4083 / 90 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 912 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4841 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | ACTION TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0043360746 |
|---|---|
| Date | Feb 27, 2017 |
| Book Page | 4336/0746 |
| Instrument | 2017013796 |
| Name | HARBOR COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FORT PIERCE, FL 34982 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Mar 1, 2021 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 10.5% |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $395,686 (+2.7%) | $525,401 (-1.12%) Land $156,000 Building $369,401 | |
| 2025 | $5,001.00 (+12.28%) Homeowner's exemption | $385,283 (+2.9%) | $531,365 (-4.98%) Land $156,000 Building $375,365 |
| 2024 | $4,454.00 (+1.97%) Homeowner's exemption | $374,425 (+3%) | $559,217 (+8.53%) Land $105,280 Building $453,937 |
| 2023 | $4,368.00 (+2.8%) Homeowner's exemption | $363,519 (+3%) | $515,257 (+9.62%) Land $105,280 Building $409,977 |
| 2022 | $4,249.00 Homeowner's exemption | $352,931 | $470,054 Land $105,280 Building $364,774 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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