St. Johns County property record for 97 Silver Reef Ln, Saint Augustine, FL 32095 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2019 |
| Square Footage | 2,276 sqft Living Area |
| Lot Size | 10,018 sqft (0.23 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $355,000 (2019) |
| Tax Bill | $5,856.00 (2025) |
| Primary APN | 023713-3400 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Building Area | 2,276 sqft Living Area |
| Gross Area | 3,103 sqft Gross Area |
| 1st Floor | 2,276 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,018 sqft (0.23 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 627 sqft Garage |
| Porch Area | 240 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 97 SILVER REEF LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-7527 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 92/81-90 CREEKSIDE AT TWIN CREEKS PHASE 2A LOT 340 OR4857/340 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 11 |
| Legal Subdivision | CREEKSIDE AT TWIN CREEKS PHASE 2A |
| Legal Phase | 2A |
| Legal Block | 1 |
| Legal Lot Number | 340 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 2 |
| Census Block | 2074 |
| Census Tract | 20904 |
Source: St. Johns County records · APN 023713-3400
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 | 97 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7527 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 21, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC |
| Dec 30, 2019 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 30, 2019 · Amount on Record |
| Deed Sale | Dec 30, 2019 · Amount on Record |
| Deed Doc Number | 201997346 |
| Deed Book / Page | 4857 / 340 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 97 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7527 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 97 SILVER REEF LN, ST AUGUSTINE, FL 32095-7527 |
| Document Number | 0055820039 |
|---|---|
| Date | Jun 21, 2022 |
| Book Page | 5582/39 |
| Instrument | 2022061280 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 97 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7527 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 97 SILVER REEF LN, ST AUGUSTINE, FL 32095-7527 |
| Document Number | 0053200718 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 5320/718 |
| Instrument | 2021079334 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 30, 2019 |
| Property Address | 97 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7527 |
| Document Number | 0048570340 |
| Book / Page | 4857 / 0340 |
| Map Reference | MB 92 PG 81 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 2019097346 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339 |
| Name | Verified Name |
|---|---|
| Address | 97 SILVER REEF LN, SAINT AUGUSTINE, FL 32095-7527 |
| Document Number | 48570344 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 4857/0344 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $339,437 (+2.7%) | $436,641 (-0.44%) Land $110,000 Building $326,641 | |
| 2025 | $5,856.00 (+8.85%) Homeowner's exemption | $330,513 (+2.9%) | $438,580 (-3.51%) Land $105,000 Building $333,580 |
| 2024 | $5,380.00 (+0.75%) Homeowner's exemption | $321,198 (+3%) | $454,553 (+20.46%) Land $105,000 Building $349,553 |
| 2023 | $5,340.00 (+2.01%) Homeowner's exemption | $311,843 (+3%) | $377,345 (+1.77%) Land $95,000 Building $282,345 |
| 2022 | $5,235.00 Homeowner's exemption | $302,760 | $370,768 Land $84,000 Building $286,768 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Wildfire Risk | Moderate above 47% of the US · above 17% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,235 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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