232 Los Caminos St, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 232 Los Caminos St, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,823 sqft · built 2012
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$639,900 (Mar 2022)
Tax Bill	$334 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`071623-0950`

Property Details

APN / Parcel Number

Primary APN	`071623-0950`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Stories	2 Stories
Building Area	2,823 sqft Living Area
Gross Area	3,894 sqft
1st Floor Area	1,710 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	671 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Finished Screened Porch
Porch Area	430 sqft
Patio Area	750 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 LOS CAMINOS ST
City	SAINT AUGUSTINE
State	FL
Zip	32095-8496
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	66/47-53 LAS CALINAS PARCEL 3A UNIT 2 PHASE 1 LOT 95 OR5526/540
Legal Range	29E
Legal Township	05S
Legal Section	29
Legal Subdivision	LAS CALINAS PARCEL 3A UNIT 2 PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	95
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3024
Census Tract	20606

Owner

Source: St. Johns County records, as of June 22, 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	12256 GILES PL, WALDORF, MD 20601-4718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 28, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2022 · Amount on Record
Deed Sale	Mar 30, 2022 · Amount on Record
Prior Sale	Aug 22, 2013 · Amount on Record
Deed Document Number	202233091
Deed Book / Page	5526 / 540
Prior Transfer Date	May 31, 2012
Prior Transfer Doc	0035860588
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 30, 2022
Property Address	232 LOS CAMINOS ST, SAINT AUGUSTINE, FL 32095-8496
Document Number	0055260540
Book / Page	5526 / 540
Map Reference	MB 66 PG 47-53
Instrument Date	Mar 25, 2022
Instrument	2022033091
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,479.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4376 67TH ST N, SAINT PETERSBURG, FL 33709-4712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 LOS CAMINOS ST, ST AUGUSTINE, FL 32095-8496
Investor	Possibly a Property Investor

Mortgage

Document Number	0005526542
Date	Mar 30, 2022
Instrument	5526/542

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	232 LOS CAMINOS ST, SAINT AUGUSTINE, FL 32095-8496
Document Number	0044611281
Book / Page	004461 / 001281
Instrument Date	Oct 28, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 LOS CAMINOS ST ST AUGUSTINE FL 320958496, ST AUGUSTINE, FL 32095-8496

Mortgage

Document Number	0044611281
Date	Nov 13, 2017
Book Page	004461/001281
Instrument	76676

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 12, 2057

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$488,330 (-4.87%) Land $95,000 Building $393,330	$488,330 (-4.87%) Land $95,000 Building $393,330
2025	$334.00 (+31.5%) Disabled Person's exemption Veteran's exemption	$513,349 (-0.1%)	$513,349 (-0.1%) Land $115,000 Building $398,349
2024	$254.00 Disabled Person's exemption Veteran's exemption	$513,845 (-1.06%)	$513,845 (-1.06%) Land $110,000 Building $403,845
2023	$254.00 (+7.63%) Disabled Person's exemption Veteran's exemption	$519,342 (+74.79%)	$519,342 (+9.2%) Land $110,000 Building $409,342
2022	$236.00 Disabled Person's exemption Veteran's exemption	$297,131	$475,595 Land $95,200 Building $380,395

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 221 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 in force

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect 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	SJCU-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Hotwire Communications, T-Mobile.

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