188 Otero Pt, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 188 Otero Pt, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,280 sqft · built 2017
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$352,500 (Aug 2020)
Tax Bill	$7,250 (2025)
Deeds & Mortgages	May 2022 Line of Credit Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072153-3980`

Property Details

APN / Parcel Number

Primary APN	`072153-3980`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,280 sqft Living Area
Gross Area	2,742 sqft
1st Floor Area	2,280 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	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	188 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 398 OR5008/1643
Legal Range	29E
Legal Township	05S
Legal Section	28
Legal Subdivision	PALENCIA NORTH PHASE III B
Legal Phase	3
Legal Lot Number	398
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	188 OTERO PT, SAINT AUGUSTINE, FL 32095-7485
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Aug 5, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Oct 16, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2020 · Amount on Record
Deed Sale	Aug 5, 2020 · Amount on Record
Prior Sale	Oct 16, 2017 · Amount on Record
Deed Document Number	202064504
Deed Book / Page	5008 / 1643
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	188 OTERO PT, SAINT AUGUSTINE, FL 32095-7485
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 OTERO PT, SAINT AUGUSTINE, FL 32095-7485

Mortgage

Document Number	0055640340
Date	May 24, 2022
Book Page	5564/340
Instrument	2022052293

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 4, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 5, 2020
Property Address	188 OTERO PT, SAINT AUGUSTINE, FL 32095-7485
Document Number	0050081643
Book / Page	5008 / 1643
Map Reference	MB 81 PG 28-35
Instrument Date	Aug 3, 2020
Instrument	2020064504
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,467.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1307 BARRINGTON CIR, 1307, SAINT AUGUSTINE, FL 32092-3613

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	188 OTERO PT, SAINT AUGUSTINE, FL 32095-7485

Mortgage

Document Number	0050081648
Date	Aug 5, 2020
Book Page	5008/1648
Instrument	2020064506

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

October 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 16, 2017
Property Address	188 OTERO PT, SAINT AUGUSTINE, FL 32095-7485
Document Number	0044481579
Book / Page	4448 / 1579
Map Reference	MB81 PG28
Instrument Date	Oct 12, 2017
Instrument	2017069950
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	$0.00
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	188 OTERO PT, SAINT AUGUSTINE, FL 32095-7485

Mortgage

Document Number	2017069951
Date	Oct 16, 2017
Instrument	2017069951

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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		$296,852 (+2.7%)	$499,912 (+0.99%) Land $115,000 Building $384,912
2025	$7,250.00 (+8.81%) Homeowner's exemption	$289,048 (+2.9%)	$495,009 (+2.56%) Land $115,000 Building $380,009
2024	$6,663.00 (+5.48%) Homeowner's exemption	$280,902 (+3%)	$482,631 (-0.77%) Land $115,000 Building $367,631
2023	$6,317.00 (+1.53%) Homeowner's exemption	$272,720 (+3%)	$486,383 (+22.43%) Land $115,000 Building $371,383
2022	$6,222.00 Homeowner's exemption	$264,777	$397,264 Land $78,400 Building $318,864

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 62% of the US · lower than 62% 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.

Nearby Properties on Otero Pt

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures