920 Saltwater Cir, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 920 Saltwater Cir, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,866 sqft · built 2008
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Oct 2019)
Tax Bill	$5,357 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162964-0060`

Property Details

APN / Parcel Number

Primary APN	`162964-0060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,866 sqft Living Area
Gross Area	2,445 sqft
1st Floor Area	1,866 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	287 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	920 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 6 OR4808/973
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	SEAGROVE ST. AUGUSTINE BEACH UNIT 5
Legal Block	3
Legal Lot Number	6
Legal Unit	5
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3020
Census Tract	21408

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	920 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Oct 4, 2019	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2019 · Amount on Record
Deed Sale	Oct 4, 2019 · Amount on Record
Prior Sale	Dec 10, 2009 · Amount on Record
Deed Document Number	201974308
Deed Book / Page	4808 / 973
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	920 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Transaction Type	Mortgage
Record Updated	Apr 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305

Mortgage

Document Number	0057260126
Date	Mar 20, 2023
Book Page	5726/126
Instrument	2023020481

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	920 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305

Mortgage

Document Number	0053800719
Date	Sep 28, 2021
Book Page	5380/719
Instrument	2021106070

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 4, 2019
Property Address	920 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0048080973
Book / Page	004808 / 000973
Instrument Date	Oct 4, 2019
Instrument	74308
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	920 SALTWATER CIR ST AUGUSTINE FL 320806305, ST AUGUSTINE, FL 32080-6305

Mortgage

Document Number	48080975
Date	Oct 4, 2019
Book Page	004808/000975
Instrument	74309

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 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
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		$349,253 (+2.7%)	$479,205 (-8.93%) Land $142,000 Building $337,205
2025	$5,357.00 (+8.73%) Homeowner's exemption	$340,071 (+5.99%)	$526,180 (+7.37%) Land $142,000 Building $384,180
2024	$4,927.00 (+5.21%)
2023	$4,683.00 (+1.67%) Homeowner's exemption	$320,861 (+3%)	$490,044 (+10.01%) Land $148,000 Building $342,044
2022	$4,606.00 Homeowner's exemption	$311,516	$445,438 Land $123,200 Building $322,238

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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