112 Otero Pt, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 112 Otero Pt, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,527 sqft · built 2017
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$356,000 (May 2019)
Tax Bill	$8,067 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072153-4060`

Property Details

APN / Parcel Number

Primary APN	`072153-4060`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,527 sqft Living Area
Gross Area	3,163 sqft
1st Floor Area	2,131 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	112 OTERO PT
City	SAINT AUGUSTINE
State	FL
Zip	32095-7485
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8128-35 PALENCIA NORTH PHASE III B LOT 406 OR4724/961
Legal Range	29E
Legal Township	05S
Legal Section	28
Legal Subdivision	PALENCIA NORTH PHASE III B
Legal Phase	3
Legal Lot Number	406
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	20606

Owner

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	112 OTERO PT, SAINT AUGUSTINE, FL 32095-7485
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 14, 2019	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 26, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNIVERSAL AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2019 · Amount on Record
Deed Sale	May 14, 2019 · Amount on Record
Prior Sale	Apr 26, 2017 · Amount on Record
Deed Document Number	201933433
Deed Book / Page	4724 / 961
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	112 OTERO PT, SAINT AUGUSTINE, FL 32095-7485
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 OTERO PT, ST AUGUSTINE, FL 32095-7485

Mortgage

Document Number	0051690210
Date	Feb 2, 2021
Book Page	5169/210
Instrument	2021012145

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 14, 2019
Property Address	112 OTERO PT, SAINT AUGUSTINE, FL 32095-7485
Document Number	0047240961
Book / Page	4724 / 0961
Map Reference	MB 81 PG 28-35
Instrument Date	May 7, 2019
Instrument	2019033433
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,492.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5466 LONDON LAKE DR, 5466, JACKSONVILLE, FL 32258-5397

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 SHORE RD, BABYLON, NY 11702-3915

Mortgage

Document Number	2019033434
Date	May 14, 2019
Instrument	2019033434

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

April 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 26, 2017
Property Address	112 OTERO PT, SAINT AUGUSTINE, FL 32095-7485
Document Number	0043640146
Book / Page	4364 / 0146
Map Reference	MB81 PG28
Instrument Date	Apr 21, 2017
Instrument	2017028668
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,222.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 OTERO PT, SAINT AUGUSTINE, FL 32095-7485

Mortgage

Document Number	2017028669
Date	Apr 26, 2017
Instrument	2017028669

Lender

Name	UNIVERSAL AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

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		$359,151 (+2.7%)	$542,180 (-1.44%) Land $115,000 Building $427,180
2025	$8,067.00 (+8.98%) Homeowner's exemption	$349,709 (+2.9%)	$550,093 (+2.53%) Land $115,000 Building $435,093
2024	$7,402.00 (+5.1%) Homeowner's exemption	$339,853 (+3%)	$536,501 (-0.8%) Land $115,000 Building $421,501
2023	$7,043.00 (+1.59%) Homeowner's exemption	$329,954 (+3%)	$540,802 (+21.3%) Land $115,000 Building $425,802
2022	$6,933.00 Homeowner's exemption	$320,344	$445,826 Land $78,400 Building $367,426

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

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 221 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	1 ppb (2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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