943 Saltwater Cir, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 943 Saltwater Cir, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,072 sqft · built 2006
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Feb 2018)
Tax Bill	$6,102 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage Feb 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162964-0450`

Property Details

APN / Parcel Number

Primary APN	`162964-0450`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	2,072 sqft Living Area
Gross Area	2,624 sqft
1st Floor Area	828 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2016
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	222 sqft
Deck Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	943 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 45 OR4566/1789
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	SEAGROVE ST. AUGUSTINE BEACH UNIT 5
Legal Block	3
Legal Lot Number	45
Legal Unit	5
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3021
Census Tract	21408

Owner

943 Saltwater Cir is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	943 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.

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2018	Warranty Deed, Transfer · Conventional Mortgage JAMES R MOOREHEAD
Feb 15, 2018	Warranty Deed, Transfer ACTION TITLE SERVICES/STATE JOHNS COUNTY
Mar 15, 2017	Warranty Deed, Transfer LION TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2018 · Amount on File
Deed Sale	Feb 15, 2018 · Amount on File
Prior Sale	Mar 15, 2017 · Amount on File
Deed Document Number	201810159
Deed Book / Page	4503 / 566
Record Updated	Oct 29, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 21, 2018
Property Address	943 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0045661789
Book / Page	004566 / 001789
Instrument Date	Jun 21, 2018
Instrument	43609
Transaction Type	Transfer
Record Updated	Jul 18, 2018
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	943 SALTWATER CIR ST AUGUSTINE FL 320806305, ST AUGUSTINE, FL 32080-6305

Mortgage

Document Number	45661791
Date	Jun 21, 2018
Book Page	004566/001791
Instrument	43610

Lender

Name	JAMES R MOOREHEAD
Address	948 SALTWATER CIR, ST AUGUSTINE, FL 32080-6305
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 20, 2033

Interest

Rate	3%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 15, 2018
Property Address	943 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0045030566
Book / Page	004503 / 000566
Instrument Date	Feb 15, 2018
Instrument	10159
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY

Transaction

Amount	Amount on Record
Tax	$2,765.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	119 TAFT ST BOONTON NJ 070052129, BOONTON, NJ 07005-2129

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 15, 2017
Property Address	943 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0043440457
Book / Page	004344 / 000457
Instrument Date	Feb 27, 2017
Instrument	18100
Transaction Type	Transfer
Record Updated	Apr 7, 2017
Title Company	LION TITLE

Transaction

Amount	Amount on Record
Tax	$2,790.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 TREMERTON ST ST AUGUSTINE FL 320845010, ST AUGUSTINE, FL 32084-5010

Tax Assessment & Valuation

The 2025 property tax bill for 943 Saltwater Cir was $6,102 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		$396,734 (+2.7%)	$502,095 (-14.08%) Land $170,000 Building $332,095
2025	$6,102.00 (+8.77%) Homeowner's exemption	$386,304 (+2.9%)	$584,406 (+4.65%) Land $170,000 Building $414,406
2024	$5,610.00 (+4.64%) Homeowner's exemption	$375,417 (+3%)	$558,427 (+1.82%) Land $180,000 Building $378,427
2023	$5,361.00 (+1.63%) Homeowner's exemption	$364,483 (+3%)	$548,422 (+9.88%) Land $180,000 Building $368,422
2022	$5,275.00 Homeowner's exemption	$353,867	$499,108 Land $151,200 Building $347,908

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

Flood

FEMA maps place 943 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 943 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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