97 Lumen Ct, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 97 Lumen Ct, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,261 sqft · built 2018
Lot Size	0.33 acres (14,374 sqft)
Owner	2 Individual Names on Record
Last Sale	$488,474 (Dec 2018)
Tax Bill	$9,426 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023721-0940`

Property Details

APN / Parcel Number

Primary APN	`023721-0940`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,261 sqft Living Area
Gross Area	3,932 sqft
1st Floor Area	2,756 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,374 sqft (0.33 acres)
Garage Type	Attached
Garage Area	671 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97 LUMEN CT
City	SAINT AUGUSTINE
State	FL
Zip	32095-7457
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	89/53-88 BEACON LAKE PHASE 1 LOT 94 OR4648/805
Legal Range	28E
Legal Township	05S
Legal Section	10
Legal Subdivision	BEACON LAKE PHASE 1
Legal Phase	1
Legal Lot Number	94
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2031
Census Tract	20904

Owner

Source: St. Johns County records, as of June 17, 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 Record
Mailing Address	97 LUMEN CT, SAINT AUGUSTINE, FL 32095-7457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	201886021
Deed Book / Page	4648 / 805
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	97 LUMEN CT, SAINT AUGUSTINE, FL 32095-7457
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 LUMEN CT, SAINT AUGUSTINE, FL 32095-7457

Mortgage

Document Number	0054560804
Date	Dec 29, 2021
Book Page	5456/804
Instrument	2021140199

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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		$466,763 (+2.7%)	$700,139 (-6.11%) Land $150,000 Building $550,139
2025	$9,426.00 (+7.97%) Homeowner's exemption	$454,492 (+2.9%)	$745,739 (+3.71%) Land $150,000 Building $595,739
2024	$8,730.00 (+3.15%) Homeowner's exemption	$441,683 (+3%)	$719,075 (+8.72%) Land $150,000 Building $569,075
2023	$8,463.00 (+3.07%) Homeowner's exemption	$428,818 (+3%)	$661,406 (+10.8%) Land $130,000 Building $531,406
2022	$8,211.00 Homeowner's exemption	$416,328	$596,927 Land $106,400 Building $490,527

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 206 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 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 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20