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1041 Pearl St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 1041 Pearl St, Saint Augustine, FL 32084

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,174 sqft · built 2022
Lot Size0.14 acres (6,098 sqft)
Owner2 Individual Names on Record
Last Sale$279,900 (Feb 2022)
Tax Bill$3,230 (2025)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Feb 2021 Sale
Flood ZoneZone X (minimal risk)
APN118010-0000

Property Details

APN / Parcel Number

Primary APN118010-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories1 Story
Building Area1,174 sqft Living Area
1st Floor Area1,174 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialConcrete
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.14 acres)
Lot Dimensions125 ft deep x 50 ft wide
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1041 PEARL ST
CitySAINT AUGUSTINE
StateFL
Zip32084-9548
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS3
Legal Description3-47 AFRO-AMERICAN SUB OF LOTS 2 3 5 & 6 BLK 103 DANCY TRACT LOT 7 OR5491/342
Legal Range29E
Legal Township07S
Legal Section41
Legal SubdivisionAFRO-AMERICAN SUBDIVISON OF THE DANCY TR
Legal Block103
Legal Lot Number2,7
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2006
Census Tract21003

Owner

Source: St. Johns County records, as of April 13, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address1041 PEARL ST, SAINT AUGUSTINE, FL 32084-9548
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 11, 2022Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC
Feb 15, 2021Warranty Deed, Transfer
ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 11, 2022 · Amount on Record
Deed SaleFeb 11, 2022 · Amount on Record
Prior SaleFeb 15, 2021 · Amount on Record
Deed Document Number202215509
Deed Book / Page5491 / 342
Prior Transfer DateDec 3, 2005
Prior Transfer Doc0025960129
Record UpdatedOct 29, 2026

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 11, 2022
Property Address1041 PEARL ST, SAINT AUGUSTINE, FL 32084-9548
Document Number0054910342
Book / Page5491 / 342
Map ReferenceMB 3 PG 47
Instrument DateFeb 11, 2022
Instrument2022015509
Transaction TypeTransfer
Record UpdatedMay 23, 2023
Title CompanyACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,959.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address420 PLANTATION GROVE LN, ST AUGUSTINE, FL 32086-9120

Transferred To (Grantee/Buyer)

NameVerified Name
Address240 2ND ST, TRENTON, NJ 08611-2206
InvestorPossibly a Property Investor

Mortgage

Document Number0005491344
DateFeb 11, 2022
Instrument5491/344
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2052

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 15, 2021
Property Address1041 PEARL ST, SAINT AUGUSTINE, FL 32084-9548
Document Number0051790664
Book / Page5179 / 664
Map ReferenceMB 3 PG 47
Instrument DateFeb 12, 2021
Instrument2021016512
Transaction TypeTransfer
Record UpdatedMay 23, 2023
Title CompanyACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

AmountAmount Recorded
Tax$140.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address68 M L KING AVE, SAINT AUGUSTINE, FL 32084-4800

Transferred To (Grantee/Buyer)

NameVerified Name
Address420 PLANTATION GROVE LN, SAINT AUGUSTINE, FL 32086-9120

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$259,804 (+2.7%)$262,942 (+3.94%) Land $45,000 Building $217,942
2025$3,230.00 (-2.86%) Homeowner's exemption$252,974 (+3.78%)$252,974 (+3.78%) Land $45,000 Building $207,974
2024$3,325.00 (+3.74%) Homeowner's exemption$243,755 (+5.32%)$243,755 (+5.32%) Land $32,500 Building $211,255
2023$3,205.00 (+581.91%)$231,439 (+1,171.64%)$231,439 (+1,171.64%) Land $26,400 Building $205,039
2022$470.00$18,200$18,200 Land $18,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 28 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies28 in force
Nearby Flood Claims3 (1996–2001)
Claims Outside the SFHA1 of 3
Most Recent ClaimSep 2001 · Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle
Claims by Event
  • Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 2 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 RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. AUGUSTINE WS
serves 43,069 people · EPA ID FL2550210
Water SourceGroundwater
Last State InspectionSep 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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 226 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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