1045 S Whitney St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 1045 S Whitney St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,442 sqft · built 2023
Lot Size	0.21 acres (9,147 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Dec 2023)
Tax Bill	$5,698 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Dec 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`128680-0010`

Property Details

APN / Parcel Number

Primary APN	`128680-0010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,442 sqft Living Area
1st Floor Area	1,442 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Shed Roof
Roof Material	Metal
Lot Area	9,147 sqft (0.21 acres)
Lot Dimensions	155 ft deep x 60 ft wide
Porch	Finished/Open Porch
Porch Area	123 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1045 S WHITNEY ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-0381
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-36 CLARK SUB OF N1/2 OF BLK 25 E1/2 HUERTAS GRANT LOT 1 OR5875/1996
Legal Range	29E
Legal Township	07S
Legal Section	45
Legal Subdivision	CLARKS ADDITION TO NEW AUGUSTINE
Legal Block	25
Legal Lot Number	1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1040
Census Tract	20300

Owner

1045 S Whitney St is owned and occupied by an individual who bought it in December 2023.

Source: St. Johns County records, as of October 12, 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	1045 S WHITNEY ST, SAINT AUGUSTINE, FL 32084-0381
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage KIND LENDING LLC
Dec 22, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 5, 2023	Deed of Trust, Mortgage · Balloon Mortgage MCU FINANCIAL CENTER CU
Jul 5, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 21, 2023	Warranty Deed, Transfer NOT AVAILABLE, PORT ORANGE BLUE OCEAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2023 · Amount on File
Deed Sale	Dec 22, 2023 · Amount on File
Prior Sale	Mar 21, 2023 · Amount on File
Deed Document Number	202399309
Deed Book / Page	5875 / 1996
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1045 S WHITNEY ST, SAINT AUGUSTINE, FL 32084-0381
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 S WHITNEY ST, ST AUGUSTINE, FL 32084-0381

Mortgage

Document Number	0062970970
Date	Jan 30, 2026
Book Page	6297/970
Instrument	2026008175

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

December 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 22, 2023
Property Address	1045 S WHITNEY ST, SAINT AUGUSTINE, FL 32084-0381
Document Number	0058751996
Book / Page	5875 / 1996
Map Reference	MB 1 PG 36
Instrument Date	Dec 22, 2023
Instrument	2023099309
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 5, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	450 STATE ROAD 13 N # N106-32, N106-32, SAINT JOHNS, FL 32259-3860

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 S WHITNEY ST, SAINT AUGUSTINE, FL 32084-0381

Mortgage

Document Number	0058760001
Date	Dec 22, 2023
Book Page	5876/1
Instrument	2023099310

Lender

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

Agreement

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

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1045 S WHITNEY ST, SAINT AUGUSTINE, FL 32084-0381
Transaction Type	Mortgage
Record Updated	Jul 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 STATE ROAD 13 N 106329, 106329, ST JOHNS, FL 32259-3860

Mortgage

Document Number	0057870001
Date	Jul 5, 2023
Book Page	5787/1
Instrument	2023052075

Lender

Name	MCU FINANCIAL CENTER CU
Type	Credit Union
Address	CLEVELAND, OH 44114

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 5, 2023
Property Address	1045 S WHITNEY ST, SAINT AUGUSTINE, FL 32084-0381
Document Number	0057861975
Book / Page	5786 / 1975
Map Reference	MB 1 PG 36
Instrument Date	Jun 30, 2023
Instrument	2023052074
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	450 STATE ROAD 13 N, SAINT JOHNS, FL 32259-3860

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 STATE ROAD 13 N, SAINT JOHNS, FL 32259-3860

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 21, 2023
Property Address	1045 S WHITNEY ST, SAINT AUGUSTINE, FL 32084-0381
Document Number	0057260943
Book / Page	5726 / 943
Map Reference	MB 1 PG 36
Instrument Date	Mar 15, 2023
Instrument	2023020707
Transaction Type	Transfer
Record Updated	Apr 3, 2023
Title Company	NOT AVAILABLE, PORT ORANGE BLUE OCEAN TITLE

Transaction

Amount	Amount on Record
Tax	$665.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8609 S INDIAN RIVER DR, FORT PIERCE, FL 34982-7812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 STATE ROAD 13 # 106-329, 106, SAINT JOHNS, FL 32259-3863
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1045 S Whitney St was $5,698 with a homeowner's exemption, up 12% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$447,150 (+2.7%)	$447,355 (+2.25%) Land $88,290 Building $359,065
2025	$5,698.00 (+12.01%) Homeowner's exemption	$435,394	$437,506 Land $88,290 Building $349,216
2024	$5,087.00 (+801.95%)
2023	$564.00 (+14.4%)	$51,842 (+21.43%)	$51,842 (+21.43%) Land $51,842
2022	$493.00	$42,693	$42,693 Land $42,693

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

Flood

FEMA maps place 1045 S Whitney St in Zone X, an area of minimal flood risk, though there have been 42 flood claims nearby since 1985.

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 74 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	74 in force
Nearby Flood Claims	42 (1985–2025)
Claims Outside the SFHA	5 of 42
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Ian, Oct 2022 · 4 claims Hurricane Irma, Sep 2017 · 6 claims Hurricane Matthew, Oct 2016 · 9 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

Wildfire risk around 1045 S Whitney St is low, with 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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.

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 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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