St. Johns County property record for 1041 San Rafael St, Saint Augustine, FL 32080
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,556 sqft · built 1977 |
| Lot Size | 0.28 acres (12,196 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $336,000 (Nov 2018) |
| Tax Bill | $2,296 (2025) |
| Deeds & Mortgages | Feb 2020 Line of Credit Nov 2018 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 161143-0030 |
| Primary APN | 161143-0030 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,556 sqft Living Area |
| Gross Area | 2,395 sqft |
| 1st Floor Area | 1,556 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,196 sqft (0.28 acres) |
| Lot Dimensions | 140 ft deep x 87 ft wide |
| Garage Type | Attached |
| Garage Area | 551 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 337 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1041 SAN RAFAEL ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32080-5349 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 3-76 EL GRANADA SUB E10FT LOT 2 ALL LOT 3 & W26.7FT LOT 4 BLK C OR4634/1699 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 28 |
| Legal Subdivision | EL GRANADA |
| Legal Block | C |
| Legal Lot Number | 2,3,4 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 21408 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within Spanish Coquina Quarries listed 1972 · 1 contributing resources · NRIS 72001462 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
1041 San Rafael St is owned and occupied by two individuals who bought it in November 2018.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1041 SAN RAFAEL ST, SAINT AUGUSTINE, FL 32080-5349 |
| 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.
| Date | Document |
|---|---|
| Feb 25, 2020 | Deed of Trust, Mortgage · Line of Credit CENTERSTATE BANK NA |
| Nov 1, 2018 | Warranty Deed, Transfer · Construction Mortgage ROBERT & KAREN LICHTER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2018 · Amount on File |
| Deed Sale | Nov 1, 2018 · Amount on File |
| Deed Document Number | 201878905 |
| Deed Book / Page | 4634 / 1699 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1041 SAN RAFAEL ST, SAINT AUGUSTINE, FL 32080-5349 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0048890206 |
|---|---|
| Date | Feb 25, 2020 |
| Book Page | 4889/0206 |
| Instrument | 2020014642 |
| Name | CENTERSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT AUGUSTINE, FL 32080 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jan 15, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 1, 2018 |
| Property Address | 1041 SAN RAFAEL ST, SAINT AUGUSTINE, FL 32080-5349 |
| Document Number | 0046341699 |
| Book / Page | 004634 / 001699 |
| Instrument Date | Oct 31, 2018 |
| Instrument | 78905 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2018 |
| Title Company | ISLAND TITLE/STATE AUGUSTINE LLC, ISLAND TITLE/ST AUGUSTINE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,352.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1041 SAN RAFAEL ST ST AUGUSTINE FL 320805349, ST AUGUSTINE, FL 32080-5349 |
| Document Number | 46341701 |
|---|---|
| Date | Nov 1, 2018 |
| Book Page | 004634/001701 |
| Instrument | 78906 |
| Name | ROBERT & KAREN LICHTER |
|---|---|
| Address | PO BOX 1439, ST AUGUSTINE, FL 32085-1439 |
| Special Notes | Seller Financed |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Oct 31, 2019 |
| Rate | 5.5% |
|---|
The 2025 property tax bill for 1041 San Rafael St was $2,296 with a homeowner's exemption, up 14.4% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $188,852 (+2.7%) | $469,561 (+5.5%) Land $122,000 Building $347,561 | |
| 2025 | $2,296.00 (+14.4%) Homeowner's exemption | $183,887 (+2.9%) | $445,071 (+6.28%) Land $122,000 Building $323,071 |
| 2024 | $2,007.00 (+2.19%) Homeowner's exemption | $178,705 (+3%) | $418,772 (-0.38%) Land $106,400 Building $312,372 |
| 2023 | $1,964.00 (+3.59%) Homeowner's exemption | $173,500 (+3%) | $420,361 (+2.7%) Land $106,400 Building $313,961 |
| 2022 | $1,896.00 Homeowner's exemption | $168,447 | $409,307 Land $106,400 Building $302,907 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1041 San Rafael St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2016.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 293 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 293 in force |
| Nearby Flood Claims | 4 (2016–2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 risk around 1041 San Rafael St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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