197 Otero Pt, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 197 Otero Pt, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,527 sqft · built 2017
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on File
Last Sale	$321,000 (Apr 2017)
Tax Bill	$7,920 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072153-3860`

Property Details

APN / Parcel Number

Primary APN	`072153-3860`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,527 sqft Living Area
Gross Area	3,163 sqft
1st Floor Area	2,131 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	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	313 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	197 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 386 OR4365/650
Legal Range	29E
Legal Township	05S
Legal Section	28
Legal Subdivision	PALENCIA NORTH PHASE III B
Legal Phase	3
Legal Lot Number	386
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	20606

Owner

197 Otero Pt is owned and occupied by two individuals who bought it in April 2017.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	197 OTERO PT, SAINT AUGUSTINE, FL 32095-7485
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 27, 2017	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage UNIVERSAL AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2017 · Amount on File
Deed Sale	Apr 27, 2017 · Amount on File
Deed Document Number	201729318
Deed Book / Page	4365 / 650
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	197 OTERO PT, SAINT AUGUSTINE, FL 32095-7485
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049940422
Date	Jul 21, 2020
Book Page	4994/422
Instrument	2020058624

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

April 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 27, 2017
Property Address	197 OTERO PT, SAINT AUGUSTINE, FL 32095-7485
Document Number	0043650650
Book / Page	4365 / 0650
Map Reference	MB81 PG28
Instrument Date	Apr 25, 2017
Instrument	2017029318
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,247.00
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	197 OTERO PT, SAINT AUGUSTINE, FL 32095-7485

Mortgage

Document Number	2017029319
Date	Apr 27, 2017
Instrument	2017029319

Lender

Name	UNIVERSAL AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 197 Otero Pt was $7,920 with a homeowner's exemption, up 9% from the year before.

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		$347,946 (+2.7%)	$545,390 (-1.09%) Land $115,000 Building $430,390
2025	$7,920.00 (+8.96%) Homeowner's exemption	$338,798 (+2.9%)	$551,383 (+2.59%) Land $115,000 Building $436,383
2024	$7,269.00 (+5.15%) Homeowner's exemption	$329,250 (+3%)	$537,482 (-0.8%) Land $115,000 Building $422,482
2023	$6,913.00 (+1.59%) Homeowner's exemption	$319,660 (+3%)	$541,793 (+22.07%) Land $115,000 Building $426,793
2022	$6,805.00 Homeowner's exemption	$310,350	$443,829 Land $78,400 Building $365,429

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 197 Otero Pt in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 197 Otero Pt is moderate, ranking above 62% of the US, with a 0.2% annual chance of 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