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243 Charlotte St, #B, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 243 Charlotte St, #B, Saint Augustine, FL 32084

Property Summary

Property TypeDuplex
Details4 bd · 2 ba · 1,858 sqft · built 1860
Lot Size0.07 acres (3,049 sqft)
OwnerCompany Name on Record
Last Sale$233,000 (Feb 2014)
Tax Bill$7,019 (2025)
Deeds & MortgagesMay 2020 Mortgage
Flood ZoneZone AE (high risk)
APN198670-0000

Property Details

APN / Parcel Number

Primary APN198670-0000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories2 Stories
Building Area1,858 sqft Living Area
Gross Area2,354 sqft
1st Floor Area897 sqft
AtticAttic
Attic Area496 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1860
Effective Year BuiltEffective 1995
Exterior MaterialWood
Construction TypeWood
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area3,049 sqft (0.07 acres)
Lot Dimensions152 ft deep x 39 ft wide
PorchFinished/Open Porch
Porch Area124 sqft
Deck Area24 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address243 CHARLOTTE ST, B
CitySAINT AUGUSTINE
StateFL
Zip32084-5033
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Legal DescriptionCITY OF ST AUGUSTINE LOT 1 BLK 27 OR3842/741
Legal Range30E
Legal Township07S
Legal Section17
Legal SubdivisionCITY OF ST AUGUSTINE
Legal Block27
Legal Lot Number1
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1012
Census Tract20500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the St. Augustine Town Plan Historic District
listed 1970 · 223 contributing resources · National Historic Landmark (designated 1970) · NRIS 70000847

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: St. Johns County records, as of June 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address243 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5033
OccupancyOwner Occupied
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 3, 2014 · Amount on Record
Deed SaleFeb 3, 2014 · Amount on Record
Deed Document Number20146535
Deed Book / Page3842 / 741
Record UpdatedOct 29, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address243 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5033
Transaction TypeMortgage
Record UpdatedJan 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0049380098
DateMay 7, 2020
Book Page4938/98
Instrument2020035132
Lender
NameHOMESTAR FINANCIAL CORP
TypeMortgage Company
AddressGAINESVILLE, GA 30501
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
MunicipalitySt. Augustine City
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$407,372 (+2.66%)$543,384 (+2.57%) Land $231,855 Building $311,529
2025$7,019.00 (+7.03%) Homeowner's exemption Widower's exemption$396,827 (+1.29%)$529,771 (-0.82%) Land $231,855 Building $297,916
2024$6,558.00 (-1.8%)
2023$6,678.00 (+71.67%) Homeowner's exemption Widower's exemption$391,764 (+63.55%)$534,158 (+46.22%) Land $231,855 Building $302,303
2022$3,890.00 Homeowner's exemption Widower's exemption$239,535$365,312 Land $164,761 Building $200,551

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 165 individual policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies249 units insured
incl. 84 condo units
Nearby Flood Claims296 (1984–2024)
Claims Outside the SFHA1 of 296
Most Recent ClaimSep 2024 · other causes
Claims by Event
  • Hurricane Ian, Sep 2022 · 25 claims
  • Hurricane Irma, Sep 2017 · 82 claims
  • Hurricane Matthew, Oct 2016 · 124 claims

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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemST. AUGUSTINE WS
serves 43,069 people · EPA ID FL2550210
Water SourceGroundwater
Last State InspectionSep 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
DSL		100 / 20

May also be available: T-Mobile.

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