St. Johns County property record for 121 Palmer St, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,305 sqft · built 2022 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (May 2026) |
| Tax Bill | $5,750 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 109470-3501 |
| Primary APN | 109470-3501 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,305 sqft Living Area |
| 1st Floor Area | 1,305 sqft |
| Flooring | Carpet |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete |
| Roof Type | Shed Roof |
| Roof Material | Metal |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 100 ft deep x 65 ft wide |
| Porch | Finished/Open Porch |
| Porch Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 121 PALMER ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-3155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1-116 RAVENSWOOD SUB NORTH 65FT OF LOTS 350 & 351 BLK 40-C OR5507/846 |
| Legal Subdivision | WHITNEYS SUBDIVISION-PART OF RAVENSWOOD |
| Legal Block | 40 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 20300 |
Source: St. Johns County records · APN 109470-3501
Assessment roll updated April 13, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 121 PALMER ST, SAINT AUGUSTINE, FL 32084-3155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| May 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Mar 03, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIRST SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 29, 2026 · Amount on Record |
| Deed Sale | May 29, 2026 · Amount on Record |
| Deed Document Number | 202645988 |
| Deed Book / Page | 6373 / 110 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 29, 2026 |
| Property Address | 121 PALMER ST, SAINT AUGUSTINE, FL 32084-3155 |
| Document Number | 0000045988 |
| Book / Page | 6373 / 110 |
| Instrument Date | May 20, 2026 |
| Instrument | 202645988 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275,730.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 121 PALMER ST, SAINT AUGUSTINE, FL 32084-3155 |
| Document Number | 0000045989, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 202645989 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 03, 2022 |
| Property Address | 121 PALMER ST, SAINT AUGUSTINE, FL 32084-3155 |
| Document Number | 0055070846 |
| Book / Page | 5507 / 846 |
| Map Reference | MB 5505 PG 1961 |
| Instrument Date | Mar 02, 2022 |
| Instrument | 2022023637 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,660.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3849 KARISSA ANN PL E, JACKSONVILLE, FL 32223-8727 |
| Name | Verified Name |
|---|---|
| Address | 121 PALMER ST, ST AUGUSTINE, FL 32084-3155 |
| Document Number | 0005507848 |
|---|---|
| Date | Mar 03, 2022 |
| Instrument | 5507/848 |
| Name | FIRST SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Municipality | St. Augustine City |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $340,311 (+2.7%) | $357,870 (+4.89%) Land $75,000 Building $282,870 | |
| 2025 | $5,750.00 (+7.98%) Homeowner's exemption | $331,364 (+2.9%) | $341,171 (+5.95%) Land $75,000 Building $266,171 |
| 2024 | $5,325.00 (-10.74%) Homeowner's exemption | $322,025 (+3.62%) | $322,025 (+3.62%) Land $67,431 Building $254,594 |
| 2023 | $5,966.00 | $310,786 | $310,786 Land $56,192 Building $254,594 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 99 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 99 in force |
| Nearby Flood Claims | 16 (1979–2022) |
| Claims Outside the SFHA | 1 of 16 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Intermediate Holdings Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 297 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. AUGUSTINE WS serves 43,069 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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