232 Saint Thomas St, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 232 Saint Thomas St, Saint Augustine, FL 32095 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2005
Square Footage	1,385 sqft Living Area
Lot Size	7,405 sqft (0.17 acres)
Occupancy	Owner Occupied
Last Sale	$100 (2016)
Tax Bill	$2,004.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`074531-1790`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Building Area	1,385 sqft Living Area
Gross Area	2,085 sqft Gross Area
1st Floor	1,385 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
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	1 Parking Spaces
Garage Type	Attached Garage
Garage Area	380 sqft Garage
Patio Area	640 sqft Patio
Porch Area	380 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	232 SAINT THOMAS ST
City	SAINT AUGUSTINE
State	FL
Zip	32095-9633
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	28/110-116 EAGLE CREEK OF ST AUGUSTINE LOT 179 OR3943/1743 &4166/915(Q/C)
Legal Range	29E
Legal Township	06S
Legal Section	50
Legal Subdivision	EAGLE CREEK OF ST AUGUSTINE
Legal Block	1
Legal Lot Number	179
Jurisdiction	ST JOHNS FL
Minor Civil Division	ST. AUGUSTINE
Census Blockgroup	1
Census Block	1005
Census Tract	20606

Owner

Source: St. Johns County records · APN 074531-1790

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	232 SAINT THOMAS ST, SAINT AUGUSTINE, FL 32095-9633
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 01, 2016 · Amount on Record
Deed Sale	Feb 01, 2016 · Amount on Record
Prior Sale	Oct 20, 2014 · Amount on Record
Deed Book / Page	4166 / 915
Last Transfer Date	Feb 27, 2016
Transfer Doc	0041660915
Record Refreshed	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	232 SAINT THOMAS ST, SAINT AUGUSTINE, FL 32095-9633
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 SAINT THOMAS ST, SAINT AUGUSTINE, FL 32095-9633

Mortgage

Document Number	0050580525
Date	Oct 01, 2020
Book Page	5058/525
Instrument	2020085417

Lender

Name	OBSIDIAN FINANCIAL SERVICES INC
Type	Mortgage Company
Address	MELBOURNE, FL 32935

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2050

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
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		$166,685 (+2.7%)	$271,383 (-4.09%) Land $65,000 Building $206,383
2025	$2,004.00 (+14.97%) Homeowner's exemption	$162,303 (+2.9%)	$282,955 (-3.66%) Land $60,000 Building $222,955
2024	$1,743.00 (+2.29%) Homeowner's exemption	$157,729 (+3%)	$293,712 (+4.01%) Land $74,000 Building $219,712
2023	$1,704.00 (+3.84%) Homeowner's exemption	$153,135 (+3%)	$282,386 (+4.97%) Land $70,000 Building $212,386
2022	$1,641.00 Homeowner's exemption	$148,675	$269,013 Land $61,600 Building $207,413

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 X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

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.