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

St. Johns County property record for 959 Oak Arbor Cir, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,641 sqft · built 2005
Lot Size	0.16 acres (6,969 sqft)
Owner	Individual Name on Record
Last Sale	$74,100 (May 2012)
Tax Bill	$3,287 (2025)
Deeds & Mortgages	May 2021 Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103201-0870`

Property Details

APN / Parcel Number

Primary APN	`103201-0870`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,641 sqft Living Area
Gross Area	2,287 sqft
1st Floor Area	1,641 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Finished Screened Porch
Porch Area	283 sqft
Patio Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	959 OAK ARBOR CIR
City	SAINT AUGUSTINE
State	FL
Zip	32084-8518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/42-48 HERITAGE PARK PHASE 1A LOT 87 OR3451/719 &3564/1152(Q/C) &5260/1946(Q/C)
Legal Range	29E
Legal Township	07S
Legal Section	57
Legal Subdivision	HERITAGE PARK PHASE 1A
Legal Phase	1A
Legal Block	1
Legal Lot Number	87
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1005
Census Tract	20903

Owner

Source: St. Johns County records, as of October 20, 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	959 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 27, 2017	Deed of Trust, Mortgage 121 FINANCIAL CU
Sep 27, 2017	Deed of Trust, Mortgage · FHA Mortgage 121 FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2012 · Amount on Record
Deed Sale	May 23, 2012 · Amount on Record
Prior Sale	Jul 5, 2011 · Amount on Record
Deed Document Number	201228851
Deed Book / Page	3564 / 1152
Last Transfer Date	Apr 8, 2021
Transfer Doc	0052601946
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	May 10, 2021
Property Address	959 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8518
Document Number	0052601946
Book / Page	5260 / 1946
Map Reference	MB 50 PG 42-48
Instrument Date	Apr 8, 2021
Instrument	2021052354
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	2020 TITLE LLC, 20 TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	959 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8518

Mortgage

Document Number	52601949
Date	May 10, 2021
Instrument	5260/1949

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	959 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8518
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043641981
Date	Apr 27, 2017
Book Page	4364/1981
Instrument	2017029153

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32246

Agreement

Amount	Amount Recorded
Term	121 Months
Due	May 1, 2027

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	959 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8518
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044391726
Date	Sep 27, 2017
Book Page	4439/1726
Instrument	2017065593

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2032

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		$180,276 (+2.7%)	$333,420 (+2.36%) Land $85,000 Building $248,420
2025	$3,287.00 (+12.22%) Homeowner's exemption	$175,537 (+5.99%)	$325,740 (-1.34%) Land $80,000 Building $245,740
2024	$2,929.00 (+4.38%)
2023	$2,806.00 (+2.41%) Homeowner's exemption	$165,621 (+3%)	$330,151 (+6.08%) Land $90,000 Building $240,151
2022	$2,740.00 Homeowner's exemption	$160,797	$311,235 Land $80,640 Building $230,595

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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