995 Saltwater Cir, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 995 Saltwater Cir, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,649 sqft · built 2006
Lot Size	0.33 acres (14,374 sqft)
Owner	Individual Name on File
Last Sale	$489,500 (May 2017)
Tax Bill	$6,887 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`162964-0500`

Property Details

APN / Parcel Number

Primary APN	`162964-0500`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Stories	2 Stories
Building Area	2,649 sqft Living Area
Gross Area	3,132 sqft
1st Floor Area	1,639 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2009
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,374 sqft (0.33 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	344 sqft
Patio Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	995 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 50 OR3643/1150 & 4377/1366
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	SEAGROVE ST. AUGUSTINE BEACH UNIT 5
Legal Block	3
Legal Lot Number	50
Legal Unit	5
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3021
Census Tract	21408

Owner

995 Saltwater Cir is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	995 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
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
Jul 11, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
May 23, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2017 · Amount on File
Deed Sale	May 23, 2017 · Amount on File
Prior Sale	Nov 15, 2012 · Amount on File
Deed Document Number	201735489
Deed Book / Page	4377 / 1366
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	995 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0044110806
Book / Page	004411 / 000806
Instrument Date	Jul 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 14, 2017
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	995 SALTWATER CIR ST AUGUSTINE FL 320806305, ST AUGUSTINE, FL 32080-6305

Mortgage

Document Number	0044110806
Date	Jul 27, 2017
Book Page	004411/000806
Instrument	51793

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 26, 2042

Interest

Rate Type	Adjustable Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 23, 2017
Property Address	995 SALTWATER CIR, SAINT AUGUSTINE, FL 32080-6305
Document Number	0043771366
Book / Page	004377 / 001366
Instrument Date	May 22, 2017
Instrument	35489
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3,426.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	995 SALTWATER CIR ST AUGUSTINE FL 320806305, ST AUGUSTINE, FL 32080-6305

Tax Assessment & Valuation

The 2025 property tax bill for 995 Saltwater Cir was $6,887 with a homeowner's exemption, up 8.8% 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 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		$446,822 (+2.7%)	$592,295 (-11.06%) Land $170,000 Building $422,295
2025	$6,887.00 (+8.82%) Homeowner's exemption	$435,075	$665,927 Land $170,000 Building $495,927
2024	$6,329.00 (+4.15%)
2023	$6,077.00 (+1.61%) Homeowner's exemption	$410,498 (+3%)	$622,373 (+9.4%) Land $180,000 Building $442,373
2022	$5,981.00 Homeowner's exemption	$398,542	$568,899 Land $151,200 Building $417,699

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

Flood

FEMA maps place 995 Saltwater Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 995 Saltwater Cir is low, with a 0.03% annual chance of 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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