912 Saltwater Cir, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 912 Saltwater Cir, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,630 sqft · built 2007
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Oct 2020)
Tax Bill	$6,586 (2025)
Deeds & Mortgages	Apr 2020 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162964-0040`

Property Details

APN / Parcel Number

Primary APN	`162964-0040`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,630 sqft Living Area
Gross Area	3,248 sqft
1st Floor Area	1,601 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	499 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	912 SALTWATER CIR
City	SAINT AUGUSTINE
State	FL
Zip	32080-6305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	53/55-60 SEAGROVE ST AUGUSTINE BEACH UNIT 5 LOT 4 OR5081/1613
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	SEAGROVE ST. AUGUSTINE BEACH UNIT 5
Legal Block	3
Legal Lot Number	4
Legal Unit	5
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3020
Census Tract	21408

Owner

912 Saltwater Cir is owned and occupied by two individuals who bought it in October 2020.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	912 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2020	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BANK NA
Oct 27, 2020	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 5, 2018	Deed of Trust, Mortgage · Line of Credit REUNION BK/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2020 · Amount on File
Deed Sale	Oct 27, 2020 · Amount on File
Prior Sale	Oct 4, 2016 · Amount on File
Deed Document Number	202095556
Deed Book / Page	5081 / 1613
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	912 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049231834
Date	Apr 16, 2020
Book Page	4923/1834
Instrument	2020029572

Lender

Name	CENTERSTATE BANK NA
Type	Bank
Address	SAINT AUGUSTINE, FL 32080

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	May 28, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 27, 2020
Property Address	912 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0050811613
Book / Page	5081 / 1613
Map Reference	MB 53 PG 55
Instrument Date	Oct 26, 2020
Instrument	2020095556
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 OCEAN FOREST DR, 409, SAINT AUGUSTINE, FL 32080-8734

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	195 CABEZA ST, SAINT AUGUSTINE, FL 32080-4524

Mortgage

Document Number	50811615
Date	Oct 27, 2020
Instrument	5081/1615

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	912 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0046520044
Instrument Date	Nov 5, 2018
Transaction Type	Mortgage
Record Updated	Dec 24, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	912 SALTWATER CIR ST AUGUSTINE FL 320806305, ST AUGUSTINE, FL 32080-6305

Mortgage

Document Number	0046520044
Date	Dec 10, 2018
Book Page	004652/000044
Instrument	87939

Lender

Name	REUNION BK/FL
Type	Bank
Address	ST AUGUSTINE, FL 32080

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 912 Saltwater Cir was $6,586 with a homeowner's exemption, up 8.8% from the year before.

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Municipality	St. Augustine Beach City
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$427,620 (+2.7%)	$573,436 (-7.06%) Land $170,000 Building $403,436
2025	$6,586.00 (+8.81%) Homeowner's exemption	$416,378 (+2.9%)	$617,007 (+4.92%) Land $170,000 Building $447,007
2024	$6,053.00 (+4.33%) Homeowner's exemption	$404,643 (+3%)	$588,056 (+1.8%) Land $180,000 Building $408,056
2023	$5,802.00 (+1.61%) Homeowner's exemption	$392,857 (+3%)	$577,640 (+9.67%) Land $180,000 Building $397,640
2022	$5,710.00 Homeowner's exemption	$381,415	$526,699 Land $151,200 Building $375,499

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

Flood

FEMA maps place 912 Saltwater Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 429 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	653 units insured incl. 224 condo units
Nearby Flood Claims	6 (2016–2024)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims

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 912 Saltwater Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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