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

St. Johns County property record for 968 Oak Arbor Cir, Saint Augustine, FL 32084 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,645 sqft · built 2005
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$167,800 (Jul 2005)
Tax Bill	$3,051 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103201-0430`

Property Details

APN / Parcel Number

Primary APN	`103201-0430`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,645 sqft Living Area
Gross Area	2,214 sqft
1st Floor Area	1,645 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	415 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Glass Porch
Porch Area	222 sqft
Patio Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	968 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 43 OR2487/1691
Legal Range	29E
Legal Township	07S
Legal Section	57
Legal Subdivision	HERITAGE PARK PHASE 1A
Legal Phase	1A
Legal Block	1
Legal Lot Number	43
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 103201-0430

Assessment roll updated April 13, 2026 · Last verified June 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 File
Mailing Address	968 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 08, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Feb 09, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 18, 2005 · Amount on Record
Deed Sale	Jul 18, 2005 · Amount on Record
Deed Document Number	200557363
Deed Book / Page	2487 / 1691
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	968 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Transaction Type	Mortgage
Record Updated	Feb 22, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	968 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510

Mortgage

Document Number	0054880064
Date	Feb 08, 2022
Book Page	5488/64
Instrument	2022014020

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	968 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Document Number	0047630733
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Jul 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	968 OAK ARBOR CIR ST AUGUSTINE FL 320848510, ST AUGUSTINE, FL 32084-8510

Mortgage

Document Number	0047630733
Date	Jul 22, 2019
Book Page	004763/000733
Instrument	52677

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2049

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	968 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Document Number	0043320950
Instrument Date	Feb 09, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	968 OAK ARBOR CIR ST AUGUSTINE FL 320848510, ST AUGUSTINE, FL 32084-8510

Mortgage

Document Number	0043320950
Date	Feb 17, 2017
Book Page	004332/000950
Instrument	11692

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 16, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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		$167,489 (+2.7%)	$303,069 (+2.1%) Land $85,000 Building $218,069
2025	$3,051.00 (+12.46%) Homeowner's exemption Widower's exemption	$163,086 (+5.99%)	$296,849 (-2.38%) Land $80,000 Building $216,849
2024	$2,713.00 (+4.67%)
2023	$2,592.00 (+0.19%) Homeowner's exemption Widower's exemption	$153,874 (+3%)	$304,097 (-0.35%) Land $90,000 Building $214,097
2022	$2,587.00 Homeowner's exemption Widower's exemption	$149,392	$305,154 Land $80,640 Building $224,514

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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