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

St. Johns County property record for 964 Oak Arbor Cir, Saint Augustine, FL 32084 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,479 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$161,000 (Dec 2004)
Tax Bill	$2,885 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103201-0420`

Property Details

APN / Parcel Number

Primary APN	`103201-0420`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,479 sqft Living Area
Gross Area	2,071 sqft
1st Floor Area	1,479 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	964 OAK ARBOR CIR
City	SAINT AUGUSTINE
State	FL
Zip	32084-8510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	50/42-48 HERITAGE PARK PHASE 1A LOT 42 OR2343/554
Legal Range	29E
Legal Township	07S
Legal Section	57
Legal Subdivision	HERITAGE PARK PHASE 1A
Legal Phase	1A
Legal Block	1
Legal Lot Number	42
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 · APN 103201-0420

Assessment roll updated April 13, 2026 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	964 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Dec 07, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jun 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 28, 2004 · Amount on Record
Deed Sale	Dec 28, 2004 · Amount on Record
Deed Document Number	200494750
Deed Book / Page	2343 / 554
Record Updated	Jun 08, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	964 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 OAK ARBOR CIR, ST AUGUSTINE, FL 32084-8510

Mortgage

Document Number	0057390819
Date	Apr 13, 2023
Book Page	5739/819
Instrument	2023027543

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 01, 2043

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	964 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510

Mortgage

Document Number	0051161920
Date	Dec 07, 2020
Book Page	5116/1920
Instrument	2020110786

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	964 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Document Number	0044011875
Book / Page	004401 / 001875
Instrument Date	Jun 22, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	964 OAK ARBOR CIR ST AUGUSTINE FL 320848510, ST AUGUSTINE, FL 32084-8510

Mortgage

Document Number	0044011875
Date	Jul 11, 2017
Book Page	004401/001875
Instrument	47386

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 10, 2032

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$149,697 (+2.7%)	$284,618 (+5.04%) Land $85,000 Building $199,618
2025	$2,885.00 (+12.52%) Homeowner's exemption	$145,761 (+2.9%)	$270,964 (-7.52%) Land $80,000 Building $190,964
2024	$2,564.00 (+4.74%) Homeowner's exemption	$141,653 (+3%)	$293,013 (+5.06%) Land $90,000 Building $203,013
2023	$2,448.00 (+2.47%) Homeowner's exemption	$137,527 (+3%)	$278,913 (+0.65%) Land $90,000 Building $188,913
2022	$2,389.00 Homeowner's exemption	$133,521	$277,123 Land $80,640 Building $196,483

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 40 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 15% of Florida
Wildfire Likelihood	About 1 in 1,563 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 428 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

May also be available at this address: AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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