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

St. Johns County property record for 985 Fish Island Pl, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,039 sqft · built 1997
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Apr 2024)
Tax Bill	$11,205 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`161251-0480`

Property Details

APN / Parcel Number

Primary APN	`161251-0480`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,039 sqft Living Area
Gross Area	3,152 sqft
1st Floor Area	2,039 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Glass Porch
Porch Area	80 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	985 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 48 OR5924/984
Legal Range	30E
Legal Township	07S
Legal Section	28
Legal Subdivision	ANASTASIA LAKES UNIT 2
Legal Block	2
Legal Lot Number	48
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2047
Census Tract	21408

Owner

Source: St. Johns County records, as of June 17, 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	985 FISH ISLAND PL, SAINT AUGUSTINE, FL 32080-9196
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Jun 1, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 26, 2020	Warranty Deed, Transfer · Conventional Mortgage OVM FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2024 · Amount on Record
Deed Sale	Apr 2, 2024 · Amount on Record
Prior Sale	Jun 26, 2020 · Amount on Record
Deed Document Number	20241
Deed Book / Page	5924 / 984
Prior Transfer Date	May 24, 2022
Prior Transfer Doc	0055691208
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 2, 2024
Property Address	985 FISH ISLAND PL, SAINT AUGUSTINE, FL 32080-9196
Document Number	0059240984
Book / Page	5924 / 984
Map Reference	MB 28 PG 106-109
Instrument Date	Mar 29, 2024
Instrument	2024024081
Transaction Type	Transfer
Record Updated	Apr 15, 2024
Title Company	FLORIDA CLOSING AND ESCROW LLC, FLORIDA CLOSING COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 HOPE ST, SAINT AUGUSTINE, FL 32084-3216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 FISH ISLAND PL, SAINT AUGUSTINE, FL 32080-9196

Mortgage

Document Number	0005924986
Date	Apr 2, 2024
Instrument	5924/986

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Jun 1, 2022
Property Address	985 FISH ISLAND PL, SAINT AUGUSTINE, FL 32080-9196
Document Number	0055691208
Book / Page	5569 / 1208
Map Reference	MB 28 PG 106-109
Instrument Date	May 24, 2022
Instrument	2022055012
Transaction Type	Transfer
Record Updated	Jun 14, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	985 FISH ISLAND PL, 985, SAINT AUGUSTINE, FL 32080-9196

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	985 FISH ISLAND PL, SAINT AUGUSTINE, FL 32080-9196

Mortgage

Document Number	0055691213
Date	Jun 1, 2022
Instrument	5569/1213

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 26, 2020
Property Address	985 FISH ISLAND PL, SAINT AUGUSTINE, FL 32080-9196
Document Number	0049740442
Book / Page	4974 / 442
Map Reference	MB 28 PG 106-109
Instrument Date	May 29, 2020
Instrument	2020050546
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	BLUE OCEAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 N ROSCOE BLVD, PONTE VEDRA BEACH, FL 32082-3625

Mortgage

Document Number	4974444
Date	Jun 26, 2020
Instrument	4974/444

Lender

Name	OVM FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

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 City
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$589,175 (+5.11%) Land $145,000 Building $444,175	$589,175 (+5.11%) Land $145,000 Building $444,175
2025	$11,205.00 (-1.56%)	$560,511 (-5.79%)	$560,511 (-5.79%) Land $145,000 Building $415,511
2024	$11,382.00 (+8.29%)	$594,990 (+9.37%)	$594,990 (+9.37%) Land $150,000 Building $444,990
2023	$10,511.00 (+30.33%)	$544,035 (+14.71%)	$544,035 (+14.71%) Land $150,000 Building $394,035
2022	$8,065.00	$474,282	$474,282 Land $117,600 Building $356,682

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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