984 Saltwater Cir, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 984 Saltwater Cir, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,626 sqft · built 2007
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Company Names on Record
Last Sale	$382,500 (Mar 2015)
Tax Bill	$5,668 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jan 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`162964-0220`

Property Details

APN / Parcel Number

Primary APN	`162964-0220`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,626 sqft Living Area
Gross Area	3,125 sqft
1st Floor Area	1,601 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	499 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	984 SALTWATER CIR
City	SAINT AUGUSTINE
State	FL
Zip	32080-6305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	53/55-60 SEAGROVE ST AUGUSTINE BEACH UNIT 5 LOT 22 OR3997/129 & 4717/436(Q/C) &5686/1381(Q/C) & 5686/1393(Q/C) & 6284/1212(Q/C)
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	SEAGROVE ST. AUGUSTINE BEACH UNIT 5
Legal Block	3
Legal Lot Number	22
Legal Unit	5
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3020
Census Tract	21408

Owner

Source: St. Johns County records, as of June 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	984 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 6, 2026	Intrafamily Transfer, Transfer HOMETAP EQUITY PARTNERS LLC
Dec 29, 2022	Intrafamily Transfer, Transfer ATTORNEY
Dec 29, 2022	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 1, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2015 · Amount on Record
Deed Sale	Mar 9, 2015 · Amount on Record
Prior Sale	Nov 15, 2011 · Amount on Record
Deed Document Number	201513858
Deed Book / Page	3997 / 129
Last Transfer Date	Dec 9, 2022
Transfer Doc	0056861381
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	984 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305

Mortgage

Document Number	0058640088
Date	Nov 30, 2023
Book Page	5864/88
Instrument	2023093228

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Jan 6, 2026
Property Address	984 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0062841212
Book / Page	6284 / 1212
Map Reference	MB 53 PG 55-60
Instrument Date	Dec 26, 2025
Instrument	2026000710
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	GOODEED TITLE AGCY LLC, GOOD OWNER TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	984 SALTWATER CIR, ST AUGUSTINE, FL 32080-6305

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	984 SALTWATER CIR, ST AUGUSTINE, FL 32080-6305

Mortgage

Document Number	0062841214
Date	Jan 6, 2026
Instrument	6284/1214

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Dec 29, 2022
Property Address	984 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0056861393
Book / Page	5686 / 1393
Map Reference	MB 53 PG 55-60
Instrument Date	Dec 9, 2022
Instrument	2022115979
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	984 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	94 SALT AIR DR, SAINT AUGUSTINE, FL 32086-2945

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Dec 29, 2022
Property Address	984 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0056861381
Book / Page	5686 / 1381
Map Reference	MB 53 PG 55-60
Instrument Date	Dec 9, 2022
Instrument	2022115977
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	984 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305

Mortgage

Document Number	0056861383
Date	Dec 29, 2022
Instrument	5686/1383

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2043

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	984 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050851159
Date	Oct 30, 2020
Book Page	5085/1159
Instrument	2020097192

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 1, 2019
Property Address	984 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0047170436
Book / Page	004717 / 000436
Instrument Date	Apr 29, 2019
Instrument	29782
Transaction Type	Transfer
Record Updated	May 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	984 SALTWATER CIR ST AUGUSTINE FL 320806305, ST AUGUSTINE, FL 32080-6305

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Municipality	St. Augustine Beach City
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$369,107 (+2.7%)	$576,402 (-6.86%) Land $170,000 Building $406,402
2025	$5,668.00 (+8.75%) Homeowner's exemption	$359,403 (+5.99%)	$618,845 (+6.81%) Land $170,000 Building $448,845
2024	$5,212.00 (+4.95%)
2023	$4,966.00 (+1.66%) Homeowner's exemption	$339,101 (+3%)	$579,410 (+9.66%) Land $180,000 Building $399,410
2022	$4,885.00 Homeowner's exemption	$329,224	$528,382 Land $151,200 Building $377,182

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 429 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	653 units insured incl. 224 condo units
Nearby Flood Claims	6 (2016–2024)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 381 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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