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1038 Espinado Ave, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 1038 Espinado Ave, Saint Augustine, FL 32086 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,410 sqft · built 1981
Lot Size0.18 acres (7,840 sqft)
OwnerIndividual Name on File
Last Sale$92,500 (Feb 2000)
Tax Bill$1,321 (2025)
Deeds & MortgagesFeb 2019 Line of Credit
Dec 2020 Transfer
Flood ZoneZone X (minimal risk)
APN284123-0170

Property Details

APN / Parcel Number

Primary APN284123-0170

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,410 sqft Living Area
Gross Area1,530 sqft
1st Floor Area1,180 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1991
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,840 sqft (0.18 acres)
Lot Dimensions100 ft deep x 80 ft wide
Garage TypeAttached
Garage Area120 sqft
PorchFlorida Room
Porch Area412 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1038 ESPINADO AVE
CitySAINT AUGUSTINE
StateFL
Zip32086-7109
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description13-36 ST AUG SHORES UNIT 4 LOT 17 BLK 123 OR1476/1819 &5116/311(Q/C) & 5144/1596(D/M)
Legal Range30E
Legal Township08S
Legal Section39
Legal SubdivisionST. AUGUSTINE SHORES UNIT 4
Legal Block123
Legal Lot Number17
Legal Unit4
JurisdictionST JOHNS FL
Township / Civil DivisionMATANZAS
Census Block Group1
Census Block1008
Census Tract21211

Owner

Source: St. Johns County records · APN 284123-0170

Assessment roll updated April 13, 2026 · Last verified April 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 Address1038 ESPINADO AVE, SAINT AUGUSTINE, FL 32086-7109
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 05, 2019Deed of Trust, Mortgage · Line of Credit
FIFTH THIRD BANK
Dec 04, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 28, 2000 · Amount on Record
Deed SaleFeb 28, 2000 · Amount on Record
Deed Document Number20008131
Deed Book / Page1476 / 1819
Last Transfer DateDec 01, 2020
Transfer Doc0051160311
Record UpdatedJun 08, 2026

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address1038 ESPINADO AVE, SAINT AUGUSTINE, FL 32086-7109
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0046761157
DateFeb 05, 2019
Book Page4676/1157
Instrument2019008119
Lender
NameFIFTH THIRD BANK
TypeBank
AddressCINCINNATI, OH 45263
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueJan 25, 2049

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST JOHNS FL
Recording DateDec 04, 2020
Property Address1038 ESPINADO AVE, SAINT AUGUSTINE, FL 32086-7109
Document Number0051160311
Book / Page005116 / 000311
Instrument DateDec 01, 2020
Instrument110444
Transaction TypeTransfer
Record UpdatedDec 16, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1038 ESPINADO AVE ST AUGUSTINE FL 320867109, ST AUGUSTINE, FL 32086-7109

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$115,118 (+2.7%)$232,996 (-3.75%) Land $86,778 Building $146,218
2025$1,321.00 (+17.42%) Homeowner's exemption$112,092 (+5.99%)$242,067 (+2.48%) Land $81,900 Building $160,167
2024$1,125.00 (+2.55%)
2023$1,097.00 (+4.78%) Homeowner's exemption$105,760 (+3%)$236,201 (+7.38%) Land $81,900 Building $154,301
2022$1,047.00 Homeowner's exemption$102,680$219,962 Land $52,998 Building $166,964

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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