972 Saltwater Cir, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 972 Saltwater Cir, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,308 sqft · built 2008
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$599,000 (Oct 2026)
Tax Bill	$9,551 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162964-0190`

Property Details

APN / Parcel Number

Primary APN	`162964-0190`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,308 sqft Living Area
Gross Area	2,748 sqft
1st Floor Area	1,168 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	290 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	972 SALTWATER CIR
City	SAINT AUGUSTINE
State	FL
Zip	32080-6305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	53/55-60 SEAGROVE ST AUGUSTINE BEACH UNIT 5 LOT 19 OR5042/1438
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	SEAGROVE ST. AUGUSTINE BEACH UNIT 5
Legal Block	3
Legal Lot Number	19
Legal Unit	5
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3020
Census Tract	21408

Owner

972 Saltwater Cir is owned by two individuals who bought it in October 2026.

Source: St. Johns County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	70 DOLPHIN DR, SAINT AUGUSTINE, FL 32080-4560
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Warranty Deed, Transfer · Conventional Mortgage NETWORK FUNDING LP
Sep 15, 2020	Warranty Deed, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on File
Deed Sale	Oct 1, 2026 · Amount on File
Prior Sale	Sep 15, 2020 · Amount on File
Deed Document Number	202683571
Deed Book / Page	6446 / 1109
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 1, 2026
Property Address	972 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0000083571
Book / Page	6446 / 1109
Instrument Date	Oct 1, 2026
Instrument	202683571
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	ATLANTIC COAST TITLE AND ESCROW, ATLANTIC COAST TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$423,493.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 DOLPHIN DR, SAINT AUGUSTINE, FL 32080-4560

Mortgage

Document Number	0000083572,
Date	Oct 1, 2026
Instrument	202683572

Lender

Name	NETWORK FUNDING LP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 15, 2020
Property Address	972 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0050421438
Book / Page	5042 / 1438
Map Reference	MB 53 PG 55-60
Instrument Date	Sep 4, 2020
Instrument	2020078694
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	PARADISE TTL OF ST AUGUSTINE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1630 RUE DU BELIER APT 2503, 1630, LAFAYETTE, LA 70506-6571

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	972 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305

Mortgage

Document Number	50421442
Date	Sep 15, 2020
Instrument	5042/1442

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 972 Saltwater Cir was $9,551, up 13.8% from the year before.

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Municipality	St. Augustine Beach City
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$530,320 (-8.3%) Land $170,000 Building $360,320	$530,320 (-8.3%) Land $170,000 Building $360,320
2025	$9,551.00 (+13.82%)	$578,325	$578,325 Land $170,000 Building $408,325
2024	$8,391.00 (+6.63%)
2023	$7,869.00 (+7.76%)	$543,674 (+9.71%)	$543,674 (+9.71%) Land $180,000 Building $363,674
2022	$7,302.00	$495,562	$495,562 Land $151,200 Building $344,362

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

Flood

FEMA maps place 972 Saltwater Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 429 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	653 units insured incl. 224 condo units
Nearby Flood Claims	6 (2016–2024)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Matthew, Oct 2016 · 3 claims

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

Wildfire risk around 972 Saltwater Cir is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 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	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 381 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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