980 Oak Arbor Cir, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 980 Oak Arbor Cir, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,471 sqft · built 2005
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$152,200 (Mar 2005)
Tax Bill	$2,765 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`103201-0460`

Property Details

APN / Parcel Number

Primary APN	`103201-0460`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,471 sqft Living Area
Gross Area	1,911 sqft
1st Floor Area	1,471 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	25 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	980 OAK ARBOR CIR
City	SAINT AUGUSTINE
State	FL
Zip	32084-8510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/42-48 HERITAGE PARK PHASE 1A LOT 46 OR2386/294
Legal Range	29E
Legal Township	07S
Legal Section	57
Legal Subdivision	HERITAGE PARK PHASE 1A
Legal Phase	1A
Legal Block	1
Legal Lot Number	46
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1004
Census Tract	20903

Owner

Source: St. Johns County records, as of July 21, 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 Record
Mailing Address	980 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2005 · Amount on Record
Deed Sale	Mar 3, 2005 · Amount on Record
Deed Document Number	200516237
Deed Book / Page	2386 / 294
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 17, 2026
Property Address	980 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510
Document Number	0000061445
Book / Page	6403 / 1589
Instrument Date	Jul 17, 2026
Instrument	202661445
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	ACTION TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236,845.00
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	980 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510

Mortgage

Document Number	0000061446,
Date	Jul 17, 2026
Book Page	6403/1591
Instrument	202661446

Lender

Name	FIRST MORTGAGE FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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		$140,611 (+2.7%)	$277,908 (+4.76%) Land $85,000 Building $192,908
2025	$2,765.00 (+12.58%) Homeowner's exemption	$136,914 (+2.9%)	$265,269 (-6.74%) Land $80,000 Building $185,269
2024	$2,456.00 (+4.91%) Homeowner's exemption	$133,055 (+3%)	$284,454 (+5.79%) Land $90,000 Building $194,454
2023	$2,341.00 (+2.45%) Homeowner's exemption	$129,180 (+3%)	$268,892 (+0.38%) Land $90,000 Building $178,892
2022	$2,285.00 Homeowner's exemption	$125,417	$267,864 Land $80,640 Building $187,224

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

Flood

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 Record median of 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force

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

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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