984 Fish Island Pl, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 984 Fish Island Pl, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,952 sqft · built 1996
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$540,000 (Jun 2019)
Tax Bill	$9,076 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`161251-0370`

Property Details

APN / Parcel Number

Primary APN	`161251-0370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,952 sqft Living Area
Gross Area	2,414 sqft
1st Floor Area	1,952 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2016
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	350 sqft
Porch	Finished/Open Porch
Porch Area	452 sqft
Deck Area	Deck Area
Patio Area	1,673 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	984 FISH ISLAND PL
City	SAINT AUGUSTINE
State	FL
Zip	32080-9196
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28/106-109 ANASTASIA LAKES SUB UNIT 2 LOT 37 OR4738/1419
Legal Range	30E
Legal Township	07S
Legal Section	28
Legal Subdivision	ANASTASIA LAKES UNIT 2
Legal Block	2
Legal Lot Number	37
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2047
Census Tract	21408

Owner

984 Fish Island Pl is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	984 FISH ISLAND PL, SAINT AUGUSTINE, FL 32080-9196
Occupancy	Owner Occupied
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

Date	Document
Apr 18, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIDELITY BANK
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Jun 6, 2019	Deed of Trust, Mortgage · Conventional with PMI UNION HM MTG CORP
Jun 10, 2019	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2019 · Amount on File
Deed Sale	Jun 10, 2019 · Amount on File
Prior Sale	Oct 22, 2014 · Amount on File
Deed Document Number	201940442
Deed Book / Page	4738 / 1419
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	984 FISH ISLAND PL, SAINT AUGUSTINE, FL 32080-9196
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043591286
Date	Apr 18, 2017
Book Page	4359/1286
Instrument	2017026318

Lender

Name	FIDELITY BANK
Type	Bank
Address	SAINT AUGUSTINE, FL 32084

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	984 FISH ISLAND PL, SAINT AUGUSTINE, FL 32080-9196
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	PEER TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 FISH ISLAND PL, SAINT AUGUSTINE, FL 32080-9196

Mortgage

Document Number	0051731016
Date	Feb 5, 2021
Book Page	5173/1016
Instrument	2021013897

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	984 FISH ISLAND PL, SAINT AUGUSTINE, FL 32080-9196
Document Number	0047381421
Instrument Date	Jun 6, 2019
Transaction Type	Mortgage
Record Updated	Sep 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 DOLPHIN DR ST AUGUSTINE FL 320804530, ST AUGUSTINE, FL 32080-4530

Mortgage

Document Number	0047381421
Date	Jun 10, 2019
Book Page	004738/001421
Instrument	40443

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 9, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 10, 2019
Property Address	984 FISH ISLAND PL, SAINT AUGUSTINE, FL 32080-9196
Document Number	0047381419
Book / Page	004738 / 001419
Instrument Date	Jun 5, 2019
Instrument	40442
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount on Record
Tax	$3,780.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 FISH ISLAND PL ST AUGUSTINE FL 320809196, ST AUGUSTINE, FL 32080-9196

Tax Assessment & Valuation

The 2025 property tax bill for 984 Fish Island Pl was $9,076 with a homeowner's exemption, up 7.7% 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 City
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$510,470 (+2.7%)	$671,210 (+4.44%) Land $165,000 Building $506,210
2025	$9,076.00 (+7.73%) Homeowner's exemption	$497,050	$642,666 Land $165,000 Building $477,666
2024	$8,425.00 (+2.38%)
2023	$8,229.00 (+2.94%) Homeowner's exemption	$468,973 (+3%)	$594,268 (+1.5%) Land $155,000 Building $439,268
2022	$7,994.00 Homeowner's exemption	$455,314	$585,513 Land $123,200 Building $462,313

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

Flood

FEMA maps place 984 Fish Island Pl in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 293 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	293 in force
Nearby Flood Claims	4 (2016–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
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 984 Fish Island Pl is moderate, ranking above 45% of the US, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.04% 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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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