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1020 Espinado Ave, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 1020 Espinado Ave, Saint Augustine, FL 32086 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,500 sqft · built 1981
Lot Size0.23 acres (10,018 sqft)
OwnerIndividual Name on File
Last Sale$420,000 (Jul 2026)
Tax Bill$2,074 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Dec 2019 Line of Credit
Flood ZoneZone X (minimal risk)
APN284123-0140

Property Details

APN / Parcel Number

Primary APN284123-0140

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,500 sqft Living Area
Gross Area2,214 sqft
1st Floor Area1,121 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1996
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,018 sqft (0.23 acres)
Lot Dimensions100 ft deep x 100 ft wide
Garage TypeAttached
Garage Area594 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area364 sqft
PorchFinished Screened Porch
Porch Area268 sqft
Deck Area100 sqft
Patio Area828 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1020 ESPINADO AVE
CitySAINT AUGUSTINE
StateFL
Zip32086-7109
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description13-36 ST AUG SHORES UNIT 4 LOT 14 BLK 123 OR2540/845
Legal Range30E
Legal Township08S
Legal Section39
Legal SubdivisionST. AUGUSTINE SHORES UNIT 4
Legal Block123
Legal Lot Number14
Legal Unit4
JurisdictionST JOHNS FL
Township / Civil DivisionMATANZAS
Census Block Group1
Census Block1008
Census Tract21211

Owner

Source: St. Johns County records · APN 284123-0140

Assessment roll updated April 13, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1020 ESPINADO AVE, SAINT AUGUSTINE, FL 32086-7109
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

Deeds, Mortgages & Sale History

DateDocument
Jul 02, 2026Warranty Deed, Transfer · Conventional Mortgage
ARK-LA-TEX FINANCIAL SERVICES LLC
Dec 18, 2019Deed of Trust, Mortgage · Line of Credit
TIAA FSB

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 02, 2026 · Amount on Record
Deed SaleJul 02, 2026 · Amount on Record
Prior SaleSep 21, 2005 · Amount on Record
Deed Document Number202656902
Deed Book / Page6395 / 21
Record UpdatedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJul 02, 2026
Property Address1020 ESPINADO AVE, SAINT AUGUSTINE, FL 32086-7109
Document Number0000056902
Book / Page6395 / 21
Instrument DateJun 30, 2026
Instrument202656902
Transaction TypeTransfer
Record UpdatedJul 14, 2026
Title CompanyPARADISE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$296,940.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1020 ESPINADO AVE, SAINT AUGUSTINE, FL 32086-7109

Mortgage

Document Number0000056903,
DateJul 02, 2026
Instrument202656903
Lender
NameARK-LA-TEX FINANCIAL SERVICES LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate TypeFixed Rate
Rate6.51%
Initial TypeFixed Rate
Max Rate-1%

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address1020 ESPINADO AVE, SAINT AUGUSTINE, FL 32086-7109
Document Number0048821879
Instrument DateDec 18, 2019
Transaction TypeMortgage
Record UpdatedMar 02, 2020
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1020 ESPINADO AVE ST AUGUSTINE FL 320867109, ST AUGUSTINE, FL 32086-7109

Mortgage

Document Number0048821879
DateFeb 13, 2020
Book Page004882/001879
Instrument11693
Lender
NameTIAA FSB
AddressJACKSONVILLE, FL 32202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueFeb 12, 2050
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$172,515 (+2.7%)$335,759 (-2.66%) Land $108,472 Building $227,287
2025$2,074.00 (+14.84%) Homeowner's exemption$167,980 (+2.9%)$344,918 (+0.32%) Land $102,375 Building $242,543
2024$1,806.00 (+2.27%) Homeowner's exemption$163,246 (+3%)$343,827 (+1.47%) Land $102,375 Building $241,452
2023$1,766.00 (+3.76%) Homeowner's exemption$158,491 (+3%)$338,853 (+12.11%) Land $102,375 Building $236,478
2022$1,702.00 Homeowner's exemption$153,875$302,257 Land $66,248 Building $236,009

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090212111, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 84 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies84 in force
Nearby Flood Claims6 (2016–2022)
Most Recent ClaimSep 2022, tidal / storm surge, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 3 claims
  • Hurricane Matthew, Oct 2016 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 191 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
AT&TDSL100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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