St. Johns County property record for 228 Saint Thomas St, Saint Augustine, FL 32095 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2001 |
| Square Footage | 1,849 sqft Living Area |
| Lot Size | 7,405 sqft (0.17 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $180,200 (2009) |
| Tax Bill | $1,914.00 (2025) |
| Primary APN | 074531-1780 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Building Area | 1,849 sqft Living Area |
| Gross Area | 2,498 sqft Gross Area |
| 1st Floor | 1,849 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Concrete Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,405 sqft (0.17 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 400 sqft Garage |
| Patio Area | 672 sqft Patio |
| Porch Area | 359 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 228 SAINT THOMAS ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-9604 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 28/110-116 EAGLE CREEK OF ST AUGUSTINE LOT 178 OR3162/1590 |
| Legal Range | 29E |
| Legal Township | 06S |
| Legal Section | 50 |
| Legal Subdivision | EAGLE CREEK OF ST AUGUSTINE |
| Legal Block | 1 |
| Legal Lot Number | 178 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 1 |
| Census Block | 1005 |
| Census Tract | 20606 |
Source: St. Johns County records · APN 074531-1780
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 | 228 SAINT THOMAS ST, SAINT AUGUSTINE, FL 32095-9604 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 29, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage OBSIDIAN FINANCIAL SERVICES INC |
| Oct 15, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage OBSIDIAN FINANCIAL SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 10, 2009 · Amount on Record |
| Deed Sale | Feb 10, 2009 · Amount on Record |
| Prior Sale | May 04, 2007 · Amount on Record |
| Deed Doc Number | 20096731 |
| Deed Book / Page | 3162 / 1590 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 228 SAINT THOMAS ST, SAINT AUGUSTINE, FL 32095-9604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0049520959 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 4952/959 |
| Instrument | 2020041218 |
| Name | OBSIDIAN FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | MELBOURNE, FL 32935 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 228 SAINT THOMAS ST, SAINT AUGUSTINE, FL 32095-9604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 228 SAINT THOMAS ST, SAINT AUGUSTINE, FL 32095-9604 |
| Document Number | 0050720632 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 5072/632 |
| Instrument | 2020091419 |
| Name | OBSIDIAN FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | MELBOURNE, FL 32935 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jun 01, 2050 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $159,863 (+2.7%) | $308,561 (-4.41%) Land $65,000 Building $243,561 | |
| 2025 | $1,914.00 (+15.16%) Homeowner's exemption | $155,660 (+2.9%) | $322,796 (-3.13%) Land $60,000 Building $262,796 |
| 2024 | $1,662.00 (+2.34%) Homeowner's exemption | $151,273 (+3%) | $333,224 (+2.98%) Land $74,000 Building $259,224 |
| 2023 | $1,624.00 (+3.9%) Homeowner's exemption | $146,867 (+3%) | $323,588 (+7%) Land $70,000 Building $253,588 |
| 2022 | $1,563.00 Homeowner's exemption | $142,589 | $302,406 Land $61,600 Building $240,806 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Moderate above 53% of the US · above 23% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 909 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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