105 Palmetto Ave, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 105 Palmetto Ave, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,434 sqft · built 1955
Lot Size	0.11 acres (4,791 sqft)
Owner	2 Individual Names on File
Last Sale	$30,900 (Feb 2000)
Tax Bill	$1,445 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`147190-0000`

Property Details

APN / Parcel Number

Primary APN	`147190-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,434 sqft Living Area
Gross Area	2,784 sqft
1st Floor Area	684 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2000
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,791 sqft (0.11 acres)
Lot Dimensions	55 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	283 sqft
Deck Area	16 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	105 PALMETTO AVE
City	SAINT AUGUSTINE
State	FL
Zip	32084-2331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG1
Legal Description	4/32 SURFSIDE UNIT A LOT 1 BLK X (EX W115FT) OR703/1042 & 1471/168
Legal Range	30E
Legal Township	07S
Legal Section	04
Legal Subdivision	SURFSIDE UNIT A
Legal Block	X
Legal Lot Number	1
Legal Unit	A
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1001
Census Tract	20603

Owner

105 Palmetto Ave is owned and occupied by two individuals who bought it in February 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	105 PALMETTO AVE, SAINT AUGUSTINE, FL 32084-2331
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2000 · Amount on File
Deed Sale	Feb 1, 2000 · Amount on File
Deed Document Number	20004119
Deed Book / Page	1471 / 168
Prior Transfer Date	Jan 26, 2000
Prior Transfer Doc	0014710168
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	105 PALMETTO AVE, SAINT AUGUSTINE, FL 32084-2331
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 PALMETTO AVE, SAINT AUGUSTINE, FL 32084-2331

Mortgage

Document Number	0056041630
Date	Jul 27, 2022
Book Page	5604/1630
Instrument	2022072794

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jun 28, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 105 Palmetto Ave was $1,445 with exemptions applied, up 23.7% 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		$197,787 (+2.7%)	$767,340 (+2.01%) Land $400,000 Building $367,340
2025	$1,445.00 (+23.72%) Homeowner's exemption Senior Citizen's exemption	$192,587 (+2.9%)	$752,184 (-1.2%) Land $400,000 Building $352,184
2024	$1,168.00 (+0.69%) Homeowner's exemption Senior Citizen's exemption	$187,159 (+3%)	$761,323 (+5.66%) Land $400,000 Building $361,323
2023	$1,160.00 (+3.02%) Homeowner's exemption Senior Citizen's exemption	$181,708 (+3%)	$720,527 (+21.54%) Land $375,700 Building $344,827
2022	$1,126.00 Homeowner's exemption Senior Citizen's exemption	$176,416	$592,835 Land $372,232 Building $220,603

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 105 Palmetto Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 212 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	264 units insured incl. 52 condo units
Nearby Flood Claims	54 (1995–2025)
Claims Outside the SFHA	1 of 54
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Nicole, Nov 2022 · 3 claims Hurricane Irma, Sep 2017 · 15 claims Hurricane Matthew, Oct 2016 · 26 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 105 Palmetto Ave 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 99.1% of the US · lower than 98.7% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-NORTH BEACH UTILITIES public/private · serves 4,200 people · EPA ID FL2550812
Water Source	Groundwater
Last State Inspection	Jun 2025
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 127 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20