St. Johns County property record for 109 Needle Palm Dr, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,217 sqft · built 2009 |
| Lot Size | 0.71 acres (30,927 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $378,000 (Aug 2016) |
| Tax Bill | $7,392 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 183628-0030 |
| Primary APN | 183628-0030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,217 sqft Living Area |
| Gross Area | 3,136 sqft |
| 1st Floor Area | 2,217 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 30,927 sqft (0.71 acres) |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 771 sqft |
| Patio Area | 56 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 NEEDLE PALM DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-4867 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS2 |
| Legal Description | 56/66-70 SEA PINES 2 LOT 3 OR4236/834 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 33 |
| Legal Subdivision | SEA PINES 2 |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 21211 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3701 NW 23RD PL, GAINESVILLE, FL 32605-2623 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2016 · Amount on Record |
| Deed Sale | Aug 9, 2016 · Amount on Record |
| Prior Sale | Dec 3, 2009 · Amount on Record |
| Deed Document Number | 201651063 |
| Deed Book / Page | 4236 / 834 |
| Prior Transfer Date | Jun 13, 2014 |
| Prior Transfer Doc | 0038920792 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 109 NEEDLE PALM DR, SAINT AUGUSTINE, FL 32086-4867 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | US TITLE |
| Name | Verified Name |
|---|---|
| Address | 3701 NW 23RD PL, GAINESVILLE, FL 32605-2623 |
| Document Number | 0052591598 |
|---|---|
| Date | May 7, 2021 |
| Book Page | 5259/1598 |
| Instrument | 2021051862 |
| Name | FLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | GAINESVILLE, FL 32627 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
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 | $520,951 (-0.6%) Land $162,000 Building $358,951 | $520,951 (-0.6%) Land $162,000 Building $358,951 | |
| 2025 | $7,392.00 (+10.56%) | $524,094 (-4.05%) | $524,094 (-4.05%) Land $162,000 Building $362,094 |
| 2024 | $6,686.00 (+7.63%) | $546,189 (+8.38%) | $546,189 (+8.38%) Land $108,640 Building $437,549 |
| 2023 | $6,212.00 (+8.45%) | $503,954 (+8.69%) | $503,954 (+8.69%) Land $108,640 Building $395,314 |
| 2022 | $5,728.00 | $463,680 | $463,680 Land $108,640 Building $355,040 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 109 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 109 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
May also be available: Verizon.
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