St. Johns County property record for 928 Saltwater Cir, Saint Augustine, FL 32080
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,455 sqft · built 2009 |
| Lot Size | 0.11 acres (4,791 sqft) |
| Owner | Individual Name on File |
| Last Sale | $296,953 (Nov 2009) |
| Tax Bill | $4,453 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 162964-0080 |
| Primary APN | 162964-0080 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,455 sqft Living Area |
| Gross Area | 2,895 sqft |
| 1st Floor Area | 1,097 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,791 sqft (0.11 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 110 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 928 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 8 OR3259/498 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 33 |
| Legal Subdivision | SEAGROVE ST. AUGUSTINE BEACH UNIT 5 |
| Legal Block | 3 |
| Legal Lot Number | 8 |
| Legal Unit | 5 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 21408 |
928 Saltwater Cir is owned and occupied by an individual who bought it in November 2009.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 928 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 16, 2009 · Amount on File |
| Deed Sale | Nov 16, 2009 · Amount on File |
| Deed Document Number | 200958582 |
| Deed Book / Page | 3259 / 498 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 928 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 928 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305 |
| Document Number | 0050531081 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 5053/1081 |
| Instrument | 2020083567 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 928 Saltwater Cir was $4,453 with a homeowner's exemption, up 8.6% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Municipality | St. Augustine Beach City |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $291,613 (+2.7%) | $501,617 (-9.41%) Land $142,000 Building $359,617 | |
| 2025 | $4,453.00 (+8.64%) Homeowner's exemption | $283,946 | $553,697 Land $142,000 Building $411,697 |
| 2024 | $4,099.00 (+6.22%) | ||
| 2023 | $3,859.00 (+1.74%) Homeowner's exemption | $267,907 (+3%) | $513,922 (+9.52%) Land $148,000 Building $365,922 |
| 2022 | $3,793.00 Homeowner's exemption | $260,104 | $469,244 Land $123,200 Building $346,044 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 928 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 |
|
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 risk around 928 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.
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 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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