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

St. Johns County property record for 913 Mirror Lake Dr, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,242 sqft · built 2005
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Mar 2004)
Tax Bill	$3,686 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`183627-0340`

Property Details

APN / Parcel Number

Primary APN	`183627-0340`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,242 sqft Living Area
Gross Area	2,872 sqft
1st Floor Area	2,242 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	358 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	913 MIRROR LAKE DR
City	SAINT AUGUSTINE
State	FL
Zip	32086-4840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	44/30-41 SEA PINES LOT 34 OR2163/778 &3759/1495(F/J) &3853/1062(Q/C) & 5744/105(L/E)
Legal Range	30E
Legal Township	08S
Legal Section	33
Legal Subdivision	SEA PINES
Legal Block	2
Legal Lot Number	34
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 July 31, 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	913 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4840
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage WESTCHESTER FIRE INSURANCE COMPANY
Apr 21, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2004 · Amount on Record
Deed Sale	Mar 25, 2004 · Amount on Record
Prior Sale	Nov 24, 2003 · Amount on Record
Deed Document Number	200421541
Deed Book / Page	2163 / 778
Last Transfer Date	Apr 21, 2023
Transfer Doc	0057440105
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Jul 17, 2026
Property Address	913 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4840
Document Number	0000061574
Book / Page	6404 / 29
Instrument Date	Jul 14, 2026
Instrument	202661574
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4840

Mortgage

Document Number	0000061574,
Date	Jul 17, 2026
Book Page	6404/29
Instrument	202661574

Lender

Name	WESTCHESTER FIRE INSURANCE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.47%
Max Rate	-1%

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Apr 21, 2023
Property Address	913 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4840
Document Number	0057440105
Book / Page	5744 / 105
Map Reference	MB 44 PG 30-41
Instrument Date	Apr 21, 2023
Instrument	2023030127
Transaction Type	Transfer
Record Updated	May 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	913 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4840

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4840

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	913 MIRROR LAKE DR, SAINT AUGUSTINE, FL 32086-4840
Document Number	0046961087
Instrument Date	Mar 14, 2019
Transaction Type	Mortgage
Record Updated	Mar 28, 2019
Title Company	TITLE AMERICA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 MIRROR LAKE DR ST AUGUSTINE FL 320864840, ST AUGUSTINE, FL 32086-4840

Mortgage

Document Number	0046961087
Date	Mar 20, 2019
Book Page	004696/001087
Instrument	18819

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2049

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		$321,478 (+2.7%)	$488,768 (-1.24%) Land $156,000 Building $332,768
2025	$3,686.00 (+14.15%) Homeowner's exemption Senior Citizen's exemption	$313,026 (+5.99%)	$494,880 (+4.84%) Land $156,000 Building $338,880
2024	$3,229.00 (+2.25%)
2023	$3,158.00 (-7.17%) Homeowner's exemption Senior Citizen's exemption	$295,344 (+3%)	$472,029 (+7.98%) Land $105,280 Building $366,749
2022	$3,402.00 Homeowner's exemption	$286,742	$437,160 Land $105,280 Building $331,880

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.

Nearby Properties on Mirror Lake Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures