109 Paloma Pt, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 109 Paloma Pt, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,128 sqft · built 2014
Lot Size	0.21 acres (9,147 sqft)
Owner	2 Individual Names on Record
Last Sale	$254,600 (Jul 2014)
Tax Bill	$1,812 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 4 more
Flood Zone	Zone X (moderate risk)
APN	`102823-0770`

Property Details

APN / Parcel Number

Primary APN	`102823-0770`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,128 sqft Living Area
Gross Area	2,528 sqft
1st Floor Area	2,128 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 PALOMA PT
City	SAINT AUGUSTINE
State	FL
Zip	32084-8691
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	61/63-69 OLD SEBASTIAN POINT LOT 77 OR3898/1544
Legal Range	29E
Legal Township	07S
Legal Section	51
Legal Subdivision	OLD SEBASTIAN POINT
Legal Block	1
Legal Lot Number	77
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2008
Census Tract	20903

Owner

Source: St. Johns County records, as of May 21, 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	109 PALOMA PT, SAINT AUGUSTINE, FL 32084-8691
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust · Line of Credit GUILD MORTGAGE COMPANY
Apr 22, 2026	Deed of Trust, Mortgage · Line of Credit GUILD MORTGAGE COMPANY
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 26, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 4, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 1, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2014 · Amount on Record
Deed Sale	Jul 1, 2014 · Amount on Record
Deed Document Number	201437799
Deed Book / Page	3898 / 1544
Record Updated	Oct 29, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Apr 22, 2026
Property Address	109 PALOMA PT, SAINT AUGUSTINE, FL 32084-8691
Document Number	0000034149
Book / Page	6348 / 1306
Instrument Date	Apr 15, 2026
Instrument	2026.34149
Record Updated	May 6, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PALOMA PT, SAINT AUGUSTINE, FL 32084-8691

Mortgage

Document Number	0000034149,
Date	Apr 22, 2026
Book Page	6348/1306
Instrument	2026.34149

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 12, 2046

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Apr 22, 2026
Property Address	109 PALOMA PT, SAINT AUGUSTINE, FL 32084-8691
Document Number	0063481306
Book / Page	6348 / 1306
Instrument Date	Apr 15, 2026
Instrument	202634149
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PALOMA PT, SAINT AUGUSTINE, FL 32084-8691

Mortgage

Document Number	0000034149,
Date	Apr 22, 2026
Book Page	6348/1306
Instrument	202634149

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 12, 2046

Interest

Rate	6.22%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	109 PALOMA PT, SAINT AUGUSTINE, FL 32084-8691
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054130563
Date	Nov 5, 2021
Book Page	5413/563
Instrument	2021120739

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	109 PALOMA PT, SAINT AUGUSTINE, FL 32084-8691
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PALOMA PT, SAINT AUGUSTINE, FL 32084-8691

Mortgage

Document Number	0057460259
Date	Apr 26, 2023
Book Page	5746/259
Instrument	2023031205

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	May 17, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	109 PALOMA PT, SAINT AUGUSTINE, FL 32084-8691
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PALOMA PT, SAINT AUGUSTINE, FL 32084-8691

Mortgage

Document Number	0059081527
Date	Mar 4, 2024
Book Page	5908/1527
Instrument	2024015780

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 25, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	109 PALOMA PT, SAINT AUGUSTINE, FL 32084-8691
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PALOMA PT, SAINT AUGUSTINE, FL 32084-8691

Mortgage

Document Number	0059770835
Date	Jul 1, 2024
Book Page	5977/835
Instrument	2024051410

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2044

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$128,529 (+2.7%)	$424,830 (+0.97%) Land $110,000 Building $314,830
2025	$1,812.00 (+8.63%) Homeowner's exemption	$125,150 (+2.9%)	$420,740 (+2.52%) Land $110,000 Building $310,740
2024	$1,668.00 (+3.22%) Homeowner's exemption	$121,623 (+3%)	$410,389 (-4.68%) Land $110,000 Building $300,389
2023	$1,616.00 (+5.14%) Homeowner's exemption	$118,081 (+3%)	$430,558 (+6.38%) Land $114,000 Building $316,558
2022	$1,537.00 Homeowner's exemption	$114,642	$404,743 Land $84,000 Building $320,743

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 136 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	23 (2016–2022)
Claims Outside the SFHA	1 of 23
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Nicole, Nov 2022 · 7 claims Hurricane Ian, Sep 2022 · 4 claims Hurricane Irma, Sep 2017 · 6 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 Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% 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 108 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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