10 Fern St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 10 Fern St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,100 sqft · built 1993
Lot Size	0.23 acres (10,018 sqft)
Owner	Individual Name on File
Last Sale	$76,900 (Dec 2015)
Tax Bill	$4,818 (2025)
Deeds & Mortgages	Feb 2024 Mortgage
Flood Zone	Zone AE (high risk)
APN	`151320-0190`

Property Details

APN / Parcel Number

Primary APN	`151320-0190`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,100 sqft Living Area
Gross Area	2,260 sqft
1st Floor Area	330 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Lot Dimensions	204 ft deep x 102 ft wide
Garage Type	Carport
Garage Area	624 sqft
Carport	Carport
Carport Area	624 sqft
Porch	Finished Screened Porch
Porch Area	380 sqft
Deck Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10 FERN ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-1240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3-29 LEW SUB LOTS 19 & 44 & 15 X 50FT OF LOT 24 OR1692/1660 & 4120/344
Legal Range	30E
Legal Township	07S
Legal Section	06
Legal Subdivision	HILDRETH BACK BAY ADDITION, THE J.A. LEW
Legal Lot Number	19&44
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1014
Census Tract	20200

Owner

Source: St. Johns County records, as of April 13, 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	Individual Name on File
Mailing Address	10 FERN ST, SAINT AUGUSTINE, FL 32084-1240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2015 · Amount on File
Deed Sale	Dec 7, 2015 · Amount on File
Prior Sale	Dec 19, 2001 · Amount on File
Deed Document Number	201576663
Deed Book / Page	4120 / 344
Prior Transfer Date	Nov 30, 2015
Prior Transfer Doc	0041200344
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	10 FERN ST, SAINT AUGUSTINE, FL 32084-1240
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 FERN ST, SAINT AUGUSTINE, FL 32084-1240

Mortgage

Document Number	0059011952
Date	Feb 20, 2024
Book Page	5901/1952
Instrument	2024012249

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

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		$287,456 (+2.7%)	$435,766 (+1.65%) Land $161,290 Building $274,476
2025	$4,818.00 (+7.95%) Homeowner's exemption	$279,899 (+5.99%)	$428,705 (+48.86%) Land $161,290 Building $267,415
2024	$4,463.00 (+2.6%)
2023	$4,350.00 (+3.35%) Homeowner's exemption	$264,088 (+3%)	$287,986 (-36.73%) Land $123,200 Building $164,786
2022	$4,209.00 Homeowner's exemption	$256,396	$455,190 Land $123,200 Building $331,990

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 383 individual policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	436 units insured incl. 53 condo units
Nearby Flood Claims	234 (1984–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 7 claims Hurricane Irma, Sep 2017 · 53 claims Hurricane Matthew, Oct 2016 · 137 claims

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P04A “Usina Beach”
Unit Type	System Unit
Designated	Nov 16, 1990
NFIP Eligibility	Not eligible (built 1993) built after the Nov 16, 1990 cutoff · private flood insurance only

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 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% 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
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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20