1713 Pepper Stone Ct, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 1713 Pepper Stone Ct, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,683 sqft · built 2003
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (May 2012)
Tax Bill	$5,540 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026434-0240`

Property Details

APN / Parcel Number

Primary APN	`026434-0240`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,683 sqft Living Area
Gross Area	3,120 sqft
1st Floor Area	1,105 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	616 sqft
Patio Area	456 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1713 PEPPER STONE CT
City	SAINT AUGUSTINE
State	FL
Zip	32092-5007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	44/1-6 ST JOHNS GOLF & COUNTRY CLUB UNIT 3 PHASE 1 LOT 24 OR3557/731
Legal Range	28E
Legal Township	05S
Legal Section	29
Legal Subdivision	ST. JOHNS GOLF & COUNTRY CLUB UNIT 3 PHA
Legal Phase	1
Legal Block	2
Legal Lot Number	24
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2005
Census Tract	20908

Owner

Source: St. Johns County records · APN 026434-0240

Assessment roll updated April 13, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1713 PEPPER STONE CT, SAINT AUGUSTINE, FL 32092-5007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 06, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 05, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 23, 2019	Deed of Trust, Mortgage · Conventional with PMI VYSTAR CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 04, 2012 · Amount on Record
Deed Sale	May 04, 2012 · Amount on Record
Prior Sale	May 23, 2003 · Amount on Record
Deed Document Number	201225063
Deed Book / Page	3557 / 731
Prior Transfer Date	Dec 12, 2002
Prior Transfer Doc	0000006241
Record Updated	Jun 08, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1713 PEPPER STONE CT, SAINT AUGUSTINE, FL 32092-5007
Transaction Type	Mortgage
Record Updated	Aug 04, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1713 PEPPER STONE CT, SAINT AUGUSTINE, FL 32092-5007

Mortgage

Document Number	0057961167
Date	Jul 21, 2023
Book Page	5796/1167
Instrument	2023057406

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1713 PEPPER STONE CT, SAINT AUGUSTINE, FL 32092-5007
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1713 PEPPER STONE CT, SAINT AUGUSTINE, FL 32092-5007

Mortgage

Document Number	0053871860
Date	Oct 06, 2021
Book Page	5387/1860
Instrument	2021109298

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1713 PEPPER STONE CT, SAINT AUGUSTINE, FL 32092-5007
Transaction Type	Mortgage
Record Updated	Feb 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051721354
Date	Feb 05, 2021
Book Page	5172/1354
Instrument	2021013550

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1713 PEPPER STONE CT, SAINT AUGUSTINE, FL 32092-5007
Document Number	0047351706
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1713 PEPPER STONE CT ST AUGUSTINE FL 320925007, ST AUGUSTINE, FL 32092-5007

Mortgage

Document Number	0047351706
Date	Jun 05, 2019
Book Page	004735/001706
Instrument	39039

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Jun 04, 2039

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

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		$257,272 (+2.7%)	$483,682 (+0.95%) Land $154,000 Building $329,682
2025	$5,540.00 (+8.73%) Homeowner's exemption	$250,508 (+5.99%)	$479,139 (+4.15%) Land $154,000 Building $325,139
2024	$5,095.00 (+2.58%)
2023	$4,967.00 (+5.86%) Homeowner's exemption	$236,357 (+3%)	$460,068 (+10.84%) Land $145,000 Building $315,068
2022	$4,692.00 Homeowner's exemption	$229,473	$415,058 Land $123,200 Building $291,858

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 103 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	103 in force

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 15% of Florida
Wildfire Likelihood	About 1 in 1,220 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 201 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
AT&T	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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