23 Water St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 23 Water St, Saint Augustine, FL 32084 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,352 sqft · built 1885
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Jul 2001)
Tax Bill	$17,040 (2025)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone VE (high risk)
APN	`195830-0000`

Property Details

APN / Parcel Number

Primary APN	`195830-0000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	4,352 sqft Living Area
1st Floor Area	1,845 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	52,272 sqft (1.2 acres)
Lot Dimensions	180 ft deep x 104 ft wide
Porch	Finished/Open Porch
Porch Area	1,215 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	23 WATER ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-2884
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ABBOTT TRACT CITY LOT 2 BLK N OR1633/400
Legal Range	30E
Legal Township	07S
Legal Section	18
Legal Subdivision	ABBOTT TRACT
Legal Block	N
Legal Lot Number	2
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 195830-0000

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	2 Individual Names on File
Mailing Address	23 WATER ST, SAINT AUGUSTINE, FL 32084-2884
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 31, 2001 · Amount on Record
Deed Sale	Jul 31, 2001 · Amount on Record
Deed Document Number	200138954
Deed Book / Page	1633 / 400
Record Updated	Jun 08, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	23 WATER ST, SAINT AUGUSTINE, FL 32084-2884
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044631827
Date	Nov 16, 2017
Book Page	4463/1827
Instrument	2017077988

Lender

Name	AMERIS BANK
Type	Bank
Address	SAINT AUGUSTINE, FL 32084

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 10, 2032

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		$920,797 (+2.7%)	$2,705,992 (-0.14%) Land $1,583,400 Building $1,122,592
2025	$17,040.00 (+7.55%) Homeowner's exemption	$896,589 (+2.9%)	$2,709,914 (+4.12%) Land $1,583,400 Building $1,126,514
2024	$15,844.00 (+2.26%) Homeowner's exemption	$871,321 (+3%)	$2,602,708 (+48.25%) Land $1,508,000 Building $1,094,708
2023	$15,494.00 (+2.79%) Homeowner's exemption	$845,943 (+3%)	$1,755,581 (+21.77%) Land $731,025 Building $1,024,556
2022	$15,073.00 Homeowner's exemption	$821,304	$1,441,701 Land $636,804 Building $804,897

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090202002, refreshed September 2026 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone VE coastal, wave action
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 351 individual NFIP policies nearby
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	359 units insured 8 under condo master policies
Nearby Flood Claims	217 (1979–2024)
Claims Outside the SFHA	9 of 217
Most Recent Claim	Sep 2024, other causes
Claims By Storm	Hurricane Ian, Sep 2022 · 5 claims Hurricane Irma, Sep 2017 · 53 claims Hurricane Matthew, Oct 2016 · 110 claims

Coastal Barrier Resources

Coastal Barrier Resources System	Yes
Unit	P05 “Conch Island”
Unit Type	System Unit
Designated	November 16, 1990
NFIP Eligibility	Eligible (built 1885) built before the November 16, 1990 cutoff

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 317 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

May also be available at this address: T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.