228 Charlotte St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 228 Charlotte St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,131 sqft · built 1964
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$995,000 (Jul 2023)
Tax Bill	$14,738 (2025)
Deeds & Mortgages	Jul 2023 Sale & Line of Credit Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`198990-0000`

Property Details

APN / Parcel Number

Primary APN	`198990-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,131 sqft Living Area
1st Floor Area	706 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	40 ft deep x 77 ft wide
Porch	Finished/Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	228 CHARLOTTE ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-4452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF ST AUG PT OF LOT 2 38.08FT ON AVILES ST X 81.06FT ON S X 38.41FT ON CHARLOTTE ST BLK 30 OR5792/89
Legal Range	30E
Legal Township	07S
Legal Section	17
Legal Subdivision	CITY OF ST AUGUSTINE
Legal Block	1
Legal Lot Number	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1022
Census Tract	20500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the St. Augustine Town Plan Historic District listed 1970 · 223 contributing resources · National Historic Landmark (designated 1970) · NRIS 70000847

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

Owner

Source: St. Johns County records, as of May 7, 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	142 AVENIDA MENENDEZ, SAINT AUGUSTINE, FL 32084-5049
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2023	Warranty Deed, Transfer · Line of Credit INTRACOASTAL BANK
Jun 29, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 25, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Mar 5, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2023 · Amount on Record
Deed Sale	Jul 14, 2023 · Amount on Record
Prior Sale	Jun 29, 2021 · Amount on Record
Deed Document Number	202354917
Deed Book / Page	5792 / 89
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 14, 2023
Property Address	228 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-4452
Document Number	0057920089
Book / Page	5792 / 89
Instrument Date	Jul 13, 2023
Instrument	2023054917
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	ESTATE TITLE/STATE AUGUSTINE INC, ESTATE TTL OF ST AUGUSTINE I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,965.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3541, SAINT AUGUSTINE, FL 32085-3541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	142 AVENIDA MENENDEZ, SAINT AUGUSTINE, FL 32084-5049

Mortgage

Document Number	0000579291
Date	Jul 14, 2023
Instrument	5792/91

Lender

Name	INTRACOASTAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 29, 2021
Property Address	228 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-4452
Document Number	0053040329
Book / Page	5304 / 329
Instrument Date	Jun 25, 2021
Instrument	2021072237
Transaction Type	Transfer
Record Updated	Jul 9, 2021
Title Company	ESTATE TTL OF ST AUGUSTINE I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,620.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	149N FLORIDA PARK DR N, 149N, PALM COAST, FL 32137-8304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3541, SAINT AUGUSTINE, FL 32085-3541

Mortgage

Document Number	5304331
Date	Jun 29, 2021
Instrument	5304/331

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 25, 2020
Property Address	228 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-4452
Document Number	0050250732
Book / Page	005025 / 000732
Instrument Date	Aug 21, 2020
Instrument	71535
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	58 MITAD CIR ST AUGUSTINE FL 320957445, ST AUGUSTINE, FL 32095-7445

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 5, 2020
Property Address	228 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-4452
Document Number	0048970509
Book / Page	004897 / 000509
Instrument Date	Jan 30, 2020
Instrument	18246
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,570.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	ONE THE ESPLANADE,

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$783,234 (+4.54%) Land $246,400 Building $536,834	$783,234 (+4.54%) Land $246,400 Building $536,834
2025	$14,738.00 (+17.69%)	$749,220 (+12.78%)	$749,220 (+12.78%) Land $246,400 Building $502,820
2024	$12,523.00 (+22.15%)	$664,328 (+23.34%)	$664,328 (+23.34%) Land $246,400 Building $417,928
2023	$10,252.00 (+1.85%)	$538,624 (+2.32%)	$538,624 (+2.32%) Land $231,000 Building $307,624
2022	$10,066.00	$526,389	$526,389 Land $224,840 Building $301,549

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 165 individual policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	249 units insured incl. 84 condo units
Nearby Flood Claims	296 (1984–2024)
Claims Outside the SFHA	1 of 296
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Ian, Sep 2022 · 25 claims Hurricane Irma, Sep 2017 · 82 claims Hurricane Matthew, Oct 2016 · 124 claims

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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