98 Shy Spruce Cir, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 98 Shy Spruce Cir, Saint Augustine, FL 32092 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	built 2026
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$395,790 (Jul 2026)
Tax Bill	$1,548 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026921-0570`

Property Details

APN / Parcel Number

Primary APN	`026921-0570`

Exterior

Year Built	Built 2026
Lot Area	5,227 sqft (0.12 acres)

Location & Zoning

Street Address	98 SHY SPRUCE CIR
City	SAINT AUGUSTINE
State	FL
Zip	32092-1281
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	124/64-74 REVERIE AT SILVERLEAF PHASE 2 LOT 57 OR5983/674
Legal Subdivision	REVERIE AT SILVERLEAF PHASE 2
Legal Block	1
Legal Lot Number	57
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4006
Census Tract	20908

Owner

Source: St. Johns County records · APN 026921-0570

Assessment roll updated April 13, 2026 · Last verified July 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	98 SHY SPRUCE CIR, SAINT AUGUSTINE, FL 32092-1281
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 01, 2026 · Amount on Record
Deed Sale	Jul 01, 2026 · Amount on Record
Deed Document Number	202656406
Deed Book / Page	6393 / 1825
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 01, 2026
Property Address	98 SHY SPRUCE CIR, SAINT AUGUSTINE, FL 32092-1281
Document Number	0000056406
Book / Page	6393 / 1825
Instrument Date	Jun 29, 2026
Instrument	202656406
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$279,823.53
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 SHY SPRUCE CIR, SAINT AUGUSTINE, FL 32092-1281

Mortgage

Document Number	0000056407,
Date	Jul 01, 2026
Instrument	202656407

Lender

Name	JET HOMELOANS LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate	6.51%
Max Rate	-1%

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified July 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$115,000 (-) Land $115,000	$115,000 (-) Land $115,000
2025	$1,548.00	$115,000	$115,000 Land $115,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209084, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 110 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 in force 48 of 110 on primary residences

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 455 per year
Exposure	Direct burnable vegetation at the parcel

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.