St. Johns County property record for 21 Palmetto Ave, Saint Augustine, FL 32080
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,201 sqft · built 1925 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $399,000 (Oct 2020) |
| Tax Bill | $10,298 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 157570-0000 |
| Primary APN | 157570-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,201 sqft Living Area |
| Gross Area | 2,600 sqft |
| 1st Floor Area | 1,424 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Asbestos |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 75 ft deep x 106 ft wide |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 417 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 21 PALMETTO AVE |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32080-4605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1-58 CARVERS SUB ANASTASIA LOTS 9 & 10 BLK 16 & W1/2 OF VAC ALLEY LYING E OR5083/1208 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 58 |
| Legal Subdivision | ANASTASIA |
| Legal Block | 16 |
| Legal Lot Number | 9,10 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 20500 |
Source: St. Johns County records, as of May 21, 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 Record |
|---|---|
| Mailing Address | 21 PALMETTO AVE, ST AUGUSTINE, FL 32080-4605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Dec 30, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 28, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2020 · Amount on Record |
| Deed Sale | Oct 28, 2020 · Amount on Record |
| Prior Sale | May 16, 2012 · Amount on Record |
| Deed Document Number | 202096327 |
| Deed Book / Page | 5083 / 1208 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 21 PALMETTO AVE, SAINT AUGUSTINE, FL 32080-4605 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 21 PALMETTO AVE, SAINT AUGUSTINE, FL 32080-4605 |
| Document Number | 0062801372 |
|---|---|
| Date | Dec 30, 2025 |
| Book Page | 6280/1372 |
| Instrument | 2025104806 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 17, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 28, 2020 |
| Property Address | 21 PALMETTO AVE, SAINT AUGUSTINE, FL 32080-4605 |
| Document Number | 0050831208 |
| Book / Page | 5083 / 1208 |
| Map Reference | MB 1 PG 58 |
| Instrument Date | Sep 15, 2020 |
| Instrument | 2020096327 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | LAND TITLE OF AMERICA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,793.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 751 JIM ISLE DR, 751, CHARLESTON, SC 29412-4711 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 21 PALMETTO AVE, SAINT AUGUSTINE, FL 32080-4605 |
| Document Number | 50831210 |
|---|---|
| Date | Oct 28, 2020 |
| Instrument | 5083/1210 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Municipality | St. Augustine City |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $548,324 (-0.72%) | $563,853 (+2.1%) Land $334,960 Building $228,893 | |
| 2025 | $10,298.00 (+13.94%) | $552,278 (+5.2%) | $552,278 (+5.2%) Land $334,960 Building $217,318 |
| 2024 | $9,038.00 (+5.11%) | ||
| 2023 | $8,599.00 (+2.11%) | $524,975 (+21.02%) | $524,975 (+21.02%) Land $334,960 Building $190,015 |
| 2022 | $8,421.00 | $433,801 | $433,801 Land $271,988 Building $161,813 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 435 individual policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 579 units insured incl. 144 condo units |
| Nearby Flood Claims | 542 (1988–2024) |
| Claims Outside the SFHA | 9 of 542 |
| Most Recent Claim | Sep 2024 · tidal / storm surge |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 250 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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