22 Water St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 22 Water St, Saint Augustine, FL 32084 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,246 sqft · built 1875
Lot Size	0.77 acres (33,541 sqft)
Owner	Individual Name on File
Tax Bill	$7,648 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`194620-0000`

Property Details

APN / Parcel Number

Primary APN	`194620-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	3,246 sqft Living Area
Gross Area	3,436 sqft
1st Floor Area	1,621 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,541 sqft (0.77 acres)
Lot Dimensions	165 ft deep x 204 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	991 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	22 WATER ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-2820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ABBOTT TRACT CITY LOT 2 (EX W 19FT) & ALL OF LOT 3 BLK A OR727/108 & 965/291 & 981/316
Legal Range	30E
Legal Township	07S
Legal Section	18
Legal Subdivision	ABBOTT TRACT
Legal Block	A
Legal Lot Number	2,3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2005
Census Tract	20200

Owner

Source: St. Johns County records · APN 194620-0000

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	Individual Name on File
Mailing Address	22 WATER ST, SAINT AUGUSTINE, FL 32084-2820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	22 WATER ST, SAINT AUGUSTINE, FL 32084-2820
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 WATER ST, SAINT AUGUSTINE, FL 32084-2820

Mortgage

Document Number	0058800076
Date	Jan 02, 2024
Book Page	5880/76
Instrument	2024000019

Lender

Name	CLIMATE FIRST BANK
Type	Bank
Address	EUSTIS, FL 32726

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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
Municipality	St. Augustine City
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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$431,289 (+2.7%)	$1,763,601 (+0.02%) Land $1,177,488 Building $586,113
2025	$7,648.00 (+7.69%) Homeowner's exemption	$419,950 (+5.99%)	$1,763,287 (+7.18%) Land $1,177,488 Building $585,799
2024	$7,102.00 (+2.41%)
2023	$6,935.00 (+3.14%) Homeowner's exemption	$396,228 (+3%)	$1,645,162 (+8.22%) Land $1,075,590 Building $569,572
2022	$6,724.00 Homeowner's exemption	$384,687	$1,520,202 Land $1,077,854 Building $442,348

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Abbott Tract Historic District (Additional Documentation) listed 1983 · 122 contributing resources · NRIS 83001438

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.