St. Johns County property record for 972 Oak Arbor Cir, Saint Augustine, FL 32084 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2004 |
| Square Footage | 1,529 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $224,900 (2019) |
| Tax Bill | $3,142.00 (2025) |
| Primary APN | 103201-0440 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Building Area | 1,529 sqft Living Area |
| Gross Area | 2,122 sqft Gross Area |
| 1st Floor | 1,529 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,712 sqft (0.2 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 423 sqft Garage |
| Porch Area | 206 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 972 OAK ARBOR CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-8510 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 50/42-48 HERITAGE PARK PHASE 1A LOT 44 OR4706/1767 |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 57 |
| Legal Subdivision | HERITAGE PARK PHASE 1A |
| Legal Phase | 1A |
| Legal Block | 1 |
| Legal Lot Number | 44 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 1 |
| Census Block | 1004 |
| Census Tract | 20903 |
Source: St. Johns County records · APN 103201-0440
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 | Individual Name on File |
|---|---|
| Mailing Address | 972 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 18, 2021 | Deed of Trust, Mortgage · Stand Alone Second Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
| Apr 10, 2019 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Apr 20, 2018 | Deed of Trust, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) TIAA FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 10, 2019 · Amount on Record |
| Deed Sale | Apr 10, 2019 · Amount on Record |
| Prior Sale | Apr 23, 2018 · Amount on Record |
| Deed Doc Number | 201924276 |
| Deed Book / Page | 4706 / 1767 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 972 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2021 |
| Name | Verified Name |
|---|---|
| Address | 972 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510 |
| Document Number | 0052111543 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 5211/1543 |
| Instrument | 2021030328 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 10, 2019 |
| Property Address | 972 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510 |
| Document Number | 0047061767 |
| Book / Page | 4706 / 1767 |
| Map Reference | MB 50 PG 42-48 |
| Instrument Date | Apr 10, 2019 |
| Instrument | 2019024276 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | ACTION TTL SVCS OF ST JOHNS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,574.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 972 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510 |
| Document Number | 2019024277 |
|---|---|
| Date | Apr 10, 2019 |
| Instrument | 2019024277 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 972 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510 |
| Document Number | 0045350404 |
| Instrument Date | Apr 20, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 208 N HILLS DR PARKERSBURG WV 261049232, PARKERSBURG, WV 26104-9232 |
| Document Number | 0045350404 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 004535/000404 |
| Instrument | 27115 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32246 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 22, 2048 |
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 | $209,946 (+2.7%) | $281,763 (+3.3%) Land $85,000 Building $196,763 | |
| 2025 | $3,142.00 (+15.94%) Homeowner's exemption | $204,426 (+5.99%) | $272,751 (-2.91%) Land $80,000 Building $192,751 |
| 2024 | $2,710.00 (+5%) | ||
| 2023 | $2,581.00 (+2.95%) Homeowner's exemption | $192,879 (+3%) | $280,921 (+0.67%) Land $90,000 Building $190,921 |
| 2022 | $2,507.00 Homeowner's exemption | $187,261 | $279,065 Land $80,640 Building $198,425 |
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 |
| 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; lenders make the official flood determination.
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