1731 Pepper Stone Ct, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 1731 Pepper Stone Ct, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,785 sqft · built 2003
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jun 2017)
Tax Bill	$8,296 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026434-0210`

Property Details

APN / Parcel Number

Primary APN	`026434-0210`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,785 sqft Living Area
Gross Area	4,557 sqft
1st Floor Area	2,964 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	568 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1731 PEPPER STONE CT
City	SAINT AUGUSTINE
State	FL
Zip	32092-5007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	44/1-6 ST JOHNS GOLF & COUNTRY CLUB UNIT 3 PHASE 1 LOT 21 OR4384/1539
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	21
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, as of June 17, 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	1731 PEPPER STONE CT, SAINT AUGUSTINE, FL 32092-5007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2017 · Amount on Record
Deed Sale	Jun 6, 2017 · Amount on Record
Prior Sale	May 6, 2003 · Amount on Record
Deed Document Number	201738906
Deed Book / Page	4384 / 1539
Prior Transfer Date	Dec 12, 2002
Prior Transfer Doc	0000006241
Record Updated	Sep 20, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 6, 2017
Property Address	1731 PEPPER STONE CT, SAINT AUGUSTINE, FL 32092-5007
Document Number	0043841539
Book / Page	4384 / 1539
Map Reference	MB44 PG1-6
Instrument Date	May 31, 2017
Instrument	2017038906
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	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2105 MAKARIOS DR, 2105, SAINT AUGUSTINE, FL 32080-5735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1731 PEPPER STONE CT, SAINT AUGUSTINE, FL 32092-5007

Mortgage

Document Number	2017038907
Date	Jun 6, 2017
Instrument	2017038907

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.1%
Type Change Date	Jun 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.1%
Index	1-Year LIBOR
Max Rate	8.1%

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		$467,454 (+2.7%)	$680,139 (-2.56%) Land $154,000 Building $526,139
2025	$8,296.00 (+9.32%) Homeowner's exemption	$455,165 (+2.9%)	$697,988 (+6.56%) Land $154,000 Building $543,988
2024	$7,589.00 (+2.31%) Homeowner's exemption	$442,337 (+3%)	$655,043 (+4.01%) Land $145,000 Building $510,043
2023	$7,418.00 (+4.61%) Homeowner's exemption	$429,453 (+3%)	$629,781 (+10.52%) Land $145,000 Building $484,781
2022	$7,091.00 Homeowner's exemption	$416,945	$569,828 Land $123,200 Building $446,628

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 103 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	103 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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 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	2 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 201 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20