940 Oak Arbor Cir, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 940 Oak Arbor Cir, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,840 sqft · built 2005
Lot Size	0.33 acres (14,374 sqft)
Owner	Individual Name on Record
Tax Bill	$3,860 (2025)
Deeds & Mortgages	May 2026 Sale Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`103201-0360`

Property Details

APN / Parcel Number

Primary APN	`103201-0360`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,840 sqft Living Area
Gross Area	2,440 sqft
1st Floor Area	1,840 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	14,374 sqft (0.33 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1,260 sqft
Porch	Finished Screened Porch
Porch Area	248 sqft
Deck Area	Deck Area
Patio Area	870 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	940 OAK ARBOR CIR
City	SAINT AUGUSTINE
State	FL
Zip	32084-8510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/42-48 HERITAGE PARK PHASE 1A LOT 36 OR3676/488
Legal Range	29E
Legal Township	07S
Legal Section	57
Legal Subdivision	HERITAGE PARK PHASE 1A
Legal Phase	1A
Legal Block	1
Legal Lot Number	36
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1004
Census Tract	20903

Owner

Source: St. Johns County records, as of May 27, 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	940 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2012
Deed Sale	Aug 6, 2012
Prior Sale	Mar 19, 2008 · Amount on Record
Deed Document Number	201244780
Deed Book / Page	3597 / 16
Last Transfer Date	May 14, 2026
Transfer Doc	0000041661
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 14, 2026
Property Address	940 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Document Number	0000041661
Book / Page	6364 / 199
Instrument Date	May 14, 2026
Instrument	202641661
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	940 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	940 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Document Number	0049271929
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	940 OAK ARBOR CIR ST AUGUSTINE FL 320848510, ST AUGUSTINE, FL 32084-8510

Mortgage

Document Number	0049271929
Date	Apr 22, 2020
Book Page	004927/001929
Instrument	31183

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2050

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		$223,767 (+2.7%)	$370,233 (+1.51%) Land $85,000 Building $285,233
2025	$3,860.00 (+11.98%) Homeowner's exemption	$217,884 (+5.99%)	$364,733 (+6.25%) Land $80,000 Building $284,733
2024	$3,447.00 (+3.95%)
2023	$3,316.00 (+2.38%) Homeowner's exemption	$205,576 (+3%)	$343,281 (+1.66%) Land $90,000 Building $253,281
2022	$3,239.00 Homeowner's exemption	$199,588	$337,683 Land $80,640 Building $257,043

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 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 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 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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