98 Ridge Lake Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 98 Ridge Lake Rd, Saint Augustine, FL 32086

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,484 sqft · built 2021
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$279,245 (Jan 2022)
Tax Bill	$4,114 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`101671-0640`

Property Details

APN / Parcel Number

Primary APN	`101671-0640`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,484 sqft Living Area
Gross Area	1,795 sqft
1st Floor Area	654 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached
Garage Area	311 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	19 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	98 RIDGE LAKE RD
City	SAINT AUGUSTINE
State	FL
Zip	32086-5962
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	106/18-23 PARK RIDGE LOT 64 OR5476/1742
Legal Range	29
Legal Township	07
Legal Section	36
Legal Subdivision	PARK RIDGE
Legal Block	1
Legal Lot Number	64
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1016
Census Tract	21301

Owner

98 Ridge Lake Rd, a townhouse, is owned by two individuals who bought it in January 2022.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5301 SUMERSET ST, ORLANDO, FL 32810-5411
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2022 · Amount on File
Deed Sale	Jan 25, 2022 · Amount on File
Deed Document Number	20228538
Deed Book / Page	5476 / 1742
Record Updated	Sep 20, 2026

January 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 25, 2022
Property Address	98 RIDGE LAKE RD, SAINT AUGUSTINE, FL 32086-5962
Document Number	0054761742
Book / Page	5476 / 1742
Map Reference	MB 106 PG 18-23
Instrument Date	Jan 25, 2022
Instrument	2022008538
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,955.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1102 A1A N # N102, N102, PONTE VEDRA BEACH, FL 32082-4098

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 RIDGE LAKE RD, ST AUGUSTINE, FL 32086-5962

Mortgage

Document Number	0054761744
Date	Jan 25, 2022
Instrument	5476/1744

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 98 Ridge Lake Rd was $4,114, up 40.1% 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
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$258,218 (-7.62%) Land $68,000 Building $190,218	$258,218 (-7.62%) Land $68,000 Building $190,218
2025	$4,114.00 (+40.07%)	$279,508 (+10.72%)	$279,508 (+0.57%) Land $68,000 Building $211,508
2024	$2,937.00 (+2.09%) Homeowner's exemption	$252,446 (+3%)	$277,934 (+13.4%) Land $60,000 Building $217,934
2023	$2,877.00 (-15.48%) Homeowner's exemption	$245,093 (-0.55%)	$245,093 (-0.55%) Land $60,000 Building $185,093
2022	$3,404.00	$246,446	$246,446 Land $56,000 Building $190,446

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

Flood

FEMA maps place 98 Ridge Lake Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2001.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	4 (2001–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma

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 98 Ridge Lake Rd 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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.03% 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-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 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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