St. Johns County property record for 984 Oak Arbor Cir, Saint Augustine, FL 32084 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,657 sqft · built 2005 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Aug 2020) |
| Tax Bill | $3,844 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Feb 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 103201-0470 |
| Primary APN | 103201-0470 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,657 sqft Living Area |
| Gross Area | 2,072 sqft |
| 1st Floor Area | 1,657 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 415 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 178 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 984 OAK ARBOR CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-8510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 50/42-48 HERITAGE PARK PHASE 1A LOT 47 OR5028/1558 |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 57 |
| Legal Subdivision | HERITAGE PARK PHASE 1A |
| Legal Phase | 1A |
| Legal Block | 1 |
| Legal Lot Number | 47 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 20903 |
Source: St. Johns County records · APN 103201-0470
Assessment roll updated April 13, 2026 · Last verified June 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 | 984 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 03, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 06, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Aug 28, 2020 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 28, 2020 · Amount on Record |
| Deed Sale | Aug 28, 2020 · Amount on Record |
| Prior Sale | Aug 06, 2009 · Amount on Record |
| Deed Document Number | 202072968 |
| Deed Book / Page | 5028 / 1558 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 984 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0054850566 |
|---|---|
| Date | Feb 03, 2022 |
| Book Page | 5485/566 |
| Instrument | 2022012555 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 984 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0043270666 |
|---|---|
| Date | Feb 06, 2017 |
| Book Page | 4327/0666 |
| Instrument | 2017008717 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 28, 2020 |
| Property Address | 984 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510 |
| Document Number | 0050281558 |
| Book / Page | 5028 / 1558 |
| Map Reference | MB 50 PG 42-48 |
| Instrument Date | Aug 14, 2020 |
| Instrument | 2020072968 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 554 SIDE CREEK LN, 554, SAINT AUGUSTINE, FL 32084-6535 |
| Name | Verified Name |
|---|---|
| Address | 984 OAK ARBOR CIR, SAINT AUGUSTINE, FL 32084-8510 |
| Document Number | 50281560 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 5028/1560 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $222,571 (+2.7%) | $296,098 (+2.14%) Land $85,000 Building $211,098 | |
| 2025 | $3,844.00 (+11.97%) Homeowner's exemption | $216,720 (+2.9%) | $289,888 (-6.73%) Land $80,000 Building $209,888 |
| 2024 | $3,433.00 (+3.97%) Homeowner's exemption | $210,612 (+3%) | $310,814 (+6.03%) Land $90,000 Building $220,814 |
| 2023 | $3,302.00 (+2.39%) Homeowner's exemption | $204,478 (+3%) | $293,143 (+0.15%) Land $90,000 Building $203,143 |
| 2022 | $3,225.00 Homeowner's exemption | $198,522 | $292,714 Land $80,640 Building $212,074 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 40 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 in force |
| Wildfire Risk | Moderate above 40% of the US · above 12% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,724 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 428 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fixed Wireless | 300 / 20 |
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