248 Santos Ln, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 248 Santos Ln, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,771 sqft · built 2024
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$444,427 (Dec 2024)
Tax Bill	$3,619 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Dec 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`284221-0180`

Property Details

APN / Parcel Number

Primary APN	`284221-0180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,771 sqft Living Area
Gross Area	2,494 sqft
1st Floor Area	1,771 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	248 SANTOS LN
City	SAINT AUGUSTINE
State	FL
Zip	32086-7764
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	119/73-81 SABAL ESTATES PHASE ONE LOT 18 OR6077/1073
Legal Subdivision	SABAL ESTATES PHASE ONE
Legal Block	1
Legal Lot Number	18
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	2
Census Block	2004
Census Tract	21211

Owner

Source: St. Johns County records, as of April 13, 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	248 SANTOS LN, SAINT AUGUSTINE, FL 32086-7764
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU
Dec 31, 2024	Warranty Deed, Transfer · Conventional Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2024 · Amount on Record
Deed Sale	Dec 31, 2024 · Amount on Record
Deed Document Number	2024101381
Deed Book / Page	6077 / 1073
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	248 SANTOS LN, SAINT AUGUSTINE, FL 32086-7764
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 SANTOS LN, ST AUGUSTINE, FL 32086-7764

Mortgage

Document Number	0062660377
Date	Dec 2, 2025
Book Page	6266/377
Instrument	2025097558

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2035

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 31, 2024
Property Address	248 SANTOS LN, SAINT AUGUSTINE, FL 32086-7764
Document Number	0060771073
Book / Page	6077 / 1073
Map Reference	MB 119 PG 73-81
Instrument Date	Dec 30, 2024
Instrument	2024101381
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,111.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10475 FORTUNE PKWY STE 100, 100, JACKSONVILLE, FL 32256-3674

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 SANTOS LN, SAINT AUGUSTINE, FL 32086-7764

Mortgage

Document Number	2024101382
Date	Dec 31, 2024
Instrument	2024101382

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jan 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.2%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.2%

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		$290,326 (+2.7%)	$353,702 (-2.82%) Land $90,000 Building $263,702
2025	$3,619.00 (+220.83%) Homeowner's exemption	$282,693 (+214.1%)	$363,956 (+304.4%) Land $90,000 Building $273,956
2024	$1,128.00	$90,000	$90,000 Land $90,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 109 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	109 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	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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 System	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 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	6 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, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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