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

St. Johns County property record for 981 Oak Arbor Cir, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,438 sqft · built 2005
Lot Size	0.23 acres (10,018 sqft)
Owner	Individual Name on Record
Last Sale	$173,000 (Apr 2017)
Tax Bill	$3,398 (2025)
Deeds & Mortgages	Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`103201-0800`

Property Details

APN / Parcel Number

Primary APN	`103201-0800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,438 sqft Living Area
Gross Area	1,878 sqft
1st Floor Area	1,438 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	20 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	981 OAK ARBOR CIR
City	SAINT AUGUSTINE
State	FL
Zip	32084-8553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/42-48 HERITAGE PARK PHASE 1A LOT 80 OR4365/1440(P/R)
Legal Range	29E
Legal Township	07S
Legal Section	57
Legal Subdivision	HERITAGE PARK PHASE 1A
Legal Phase	1A
Legal Block	1
Legal Lot Number	80
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1005
Census Tract	20903

Owner

Source: St. Johns County records, as of April 13, 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 Record
Mailing Address	981 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8553
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2017 · Amount on Record
Deed Sale	Apr 28, 2017 · Amount on Record
Prior Sale	Feb 10, 2014 · Amount on Record
Deed Document Number	201729553
Deed Book / Page	4365 / 1440
Prior Transfer Date	Dec 10, 2012
Prior Transfer Doc	0038441062
Record Updated	Jun 8, 2026

April 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 28, 2017
Property Address	981 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8553
Document Number	0043651440
Book / Page	4365 / 1440
Map Reference	MB50 PG42-48
Instrument Date	Apr 17, 2017
Instrument	2017029553
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LAND TITLE OF AMERICA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,211.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	981 OAK ARBOR CIR, 981, SAINT AUGUSTINE, FL 32084-8553

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	981 OAK AOBOR CIR, SAINT AUGUSTINE, FL 32084-8553

Mortgage

Document Number	2017029554
Date	Apr 28, 2017
Instrument	2017029554

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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		$188,650 (+2.7%)	$268,543 (+3.58%) Land $85,000 Building $183,543
2025	$3,398.00 (+12.18%) Homeowner's exemption	$183,690 (+5.99%)	$259,260 (-1.54%) Land $80,000 Building $179,260
2024	$3,029.00 (+4.3%)
2023	$2,904.00 (+2.4%) Homeowner's exemption	$173,314 (+3%)	$263,312 (+0.5%) Land $90,000 Building $173,312
2022	$2,836.00 Homeowner's exemption	$168,266	$262,010 Land $80,640 Building $181,370

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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