St. Johns County property record for 234 Pepperpike Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,066 sqft · built 2021 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $338,334 (Jun 2021) |
| Tax Bill | $5,985 (2025) |
| Deeds & Mortgages | Feb 2023 Second Mortgage Jun 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-4880 |
| Primary APN | 029011-4880 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,066 sqft Living Area |
| Gross Area | 2,594 sqft |
| 1st Floor Area | 2,066 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 153 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 234 PEPPERPIKE WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-5508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 95/15-24 WHISPER CREEK PHASE 5 UNIT A LOT 488 OR5279/73 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 5 UNIT A |
| Legal Phase | 5 |
| Legal Block | 1 |
| Legal Lot Number | 488 |
| Legal Unit | A |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 20905 |
234 Pepperpike Way is owned and occupied by two individuals who bought it in June 2021.
Source: St. Johns County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 234 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 10, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Jun 1, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP |
| Jul 16, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2021 · Amount on File |
| Deed Sale | Jun 1, 2021 · Amount on File |
| Prior Sale | Jul 16, 2020 · Amount on File |
| Deed Document Number | 202161067 |
| Deed Book / Page | 5279 / 73 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 234 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5508 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 234 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5508 |
| Document Number | 0057071109 |
|---|---|
| Date | Feb 10, 2023 |
| Book Page | 5707/1109 |
| Instrument | 2023010722 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 10, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 1, 2021 |
| Property Address | 234 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5508 |
| Document Number | 0052790073 |
| Book / Page | 5279 / 73 |
| Map Reference | MB 95 PG 15-24 |
| Instrument Date | May 27, 2021 |
| Instrument | 2021061067 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 23, 2023 |
| Title Company | DO NO USE, AMERICAN HOME T&E CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,368.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10255 FORTUNE PKWY # 150, 150, JACKSONVILLE, FL 32256-6502 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 234 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5508 |
| Document Number | 0000527974 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 5279/74 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 16, 2020 |
| Property Address | 234 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5508 |
| Document Number | 0049901133 |
| Book / Page | 004990 / 001133 |
| Instrument Date | Jul 15, 2020 |
| Instrument | 57136 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $19,642.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 10255 FORTUNE PKWY #150 JACKSONVILLE FL 322566502, 150, JACKSONVILLE, FL 32256-6502 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 234 Pepperpike Way was $5,985 with a homeowner's exemption, up 6.9% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $266,166 (+2.7%) | $420,037 (+4.33%) Land $100,000 Building $320,037 | |
| 2025 | $5,985.00 (+6.88%) Homeowner's exemption | $259,168 (+2.9%) | $402,599 (+0.05%) Land $100,000 Building $302,599 |
| 2024 | $5,600.00 (+1.3%) Homeowner's exemption | $251,864 (+3%) | $402,407 (+11.41%) Land $100,000 Building $302,407 |
| 2023 | $5,528.00 (+1.6%) Homeowner's exemption | $244,528 (+3%) | $361,186 (+5.91%) Land $84,000 Building $277,186 |
| 2022 | $5,441.00 Homeowner's exemption | $237,406 | $341,046 Land $84,000 Building $257,046 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 234 Pepperpike Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 79 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 79 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 risk around 234 Pepperpike Way is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SJCU-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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