189 San Telmo Ct, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 189 San Telmo Ct, Saint Augustine, FL 32095 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,381 sqft · built 2018
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$938,000 (Jun 2023)
Tax Bill	$10,419 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jul 2021 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`072153-3010`

Property Details

APN / Parcel Number

Primary APN	`072153-3010`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,381 sqft Living Area
Gross Area	4,023 sqft
1st Floor Area	2,183 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
Garage Area	642 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	189 SAN TELMO CT
City	SAINT AUGUSTINE
State	FL
Zip	32095-7467
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	79/38-47 PALENCIA NORTH PHASE III A-1
Legal Range	29E
Legal Township	05S
Legal Section	61
Legal Subdivision	PALENCIA NORTH PHASE III A-1
Legal Phase	3
Legal Block	1
Legal Lot Number	301
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 · APN 072153-3010

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	2 Individual Names on File
Mailing Address	189 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7467
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Warranty Deed, Transfer · Conventional Mortgage SPACE COAST CU
Jul 21, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 04, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Sep 17, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 21, 2023 · Amount on Record
Deed Sale	Jun 21, 2023 · Amount on Record
Prior Sale	Sep 17, 2018 · Amount on Record
Deed Document Number	202348048
Deed Book / Page	5778 / 1379
Record Updated	Jun 08, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 21, 2023
Property Address	189 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7467
Document Number	0057781379
Book / Page	5778 / 1379
Map Reference	MB 79 PG 38
Instrument Date	Jun 20, 2023
Instrument	2023048048
Transaction Type	Transfer
Record Updated	Jul 04, 2023
Title Company	AMERICAS CHOICE TITLE COMPANY, AMERICAS CHOICE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,566.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	730 CYPRESS CROSSING TRL, SAINT AUGUSTINE, FL 32095-6807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7467

Mortgage

Document Number	0057781381
Date	Jun 21, 2023
Instrument	5778/1381

Lender

Name	SPACE COAST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Jul 01, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	1-Year T-Bill
Max Rate	10.3%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	189 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7467
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7467

Mortgage

Document Number	0053230091
Date	Jul 21, 2021
Book Page	5323/91
Instrument	2021080685

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	189 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7467
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053240215
Date	Jul 22, 2021
Book Page	5324/215
Instrument	2021081181

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	189 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7467
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048761432
Date	Feb 04, 2020
Book Page	4876/1432
Instrument	2020008609

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2050

September 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 17, 2018
Property Address	189 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7467
Document Number	0046121873
Book / Page	4612 / 1873
Map Reference	MB79 PG38
Instrument Date	Sep 13, 2018
Instrument	2018067266
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	189 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7467

Mortgage

Document Number	2018067267
Date	Sep 17, 2018
Instrument	2018067267

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2048

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$524,134	$683,508 (-6.13%) Land $160,000 Building $523,508
2025	$10,419.00 (-19.58%)
2024	$12,956.00 (+46.03%)	$728,137 (+58.57%)	$728,137 (+3.09%) Land $165,000 Building $563,137
2023	$8,872.00 (+1.65%) Homeowner's exemption	$459,184 (+3%)	$706,290 (+11.2%) Land $165,000 Building $541,290
2022	$8,728.00 Homeowner's exemption	$445,810	$635,129 Land $112,000 Building $523,129

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 121090206063, 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 221 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 in force

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 36% of Florida
Wildfire Likelihood	About 1 in 633 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 170 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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