249 Charlotte St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 249 Charlotte St, Saint Augustine, FL 32084

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,240 sqft · built 1925
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Company Names on Record
Last Sale	$800,000 (Sep 2026)
Tax Bill	$9,782 (2025)
Deeds & Mortgages	Sep 2026 Sale May 2026 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`198730-0000`

Property Details

APN / Parcel Number

Primary APN	`198730-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Units	2 Units
Stories	2 Stories
Building Area	1,240 sqft Living Area
Gross Area	1,560 sqft
1st Floor Area	460 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1995
Architectural Style	Duplex Single
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,969 sqft (0.16 acres)
Lot Dimensions	83 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	249 CHARLOTTE ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-5033
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	CITY OF ST AUGUSTINE LOTS 6 & 7 (EX S43 OF W51FT IN OR571/772 & 5546/863) BLK 27 OR4883/1939 & 5760/1100
Legal Range	30E
Legal Township	07S
Legal Section	17
Legal Subdivision	CITY OF ST AUGUSTINE
Legal Block	27
Legal Lot Number	6,7
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1012
Census Tract	20500

Historic Designation

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

Historic District	Within 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 October 13, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	575 MILFORD POINT DR, MERRITT ISLAND, FL 32952-2504
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Warranty Deed, Transfer ESTATE TITLE
May 11, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
May 19, 2023	Intrafamily Transfer, Transfer ESTATE TITLE/STATE AUGUSTINE INC, ESTATE TTL OF ST AUGUSTINE I
Apr 27, 2022	Intrafamily Transfer, Transfer
Feb 17, 2020	Warranty Deed, Transfer OLDE TOWNE TITLE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2026 · Amount on Record
Deed Sale	Sep 25, 2026 · Amount on Record
Prior Sale	Feb 17, 2020 · Amount on Record
Deed Document Number	202681832
Deed Book / Page	6443 / 34
Prior Transfer Date	May 18, 2023
Prior Transfer Doc	0057601100
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 25, 2026
Property Address	249 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5033
Document Number	0000081832
Book / Page	6443 / 34
Instrument Date	Sep 23, 2026
Instrument	202681832
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	ESTATE TITLE

Transaction

Amount	Amount Recorded
Tax	$565,600.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	575 MILFORD POINT DR, MERRITT ISLAND, FL 32952-2504

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	May 11, 2026
Property Address	249 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5033
Document Number	0063601901
Book / Page	6360 / 1901
Instrument Date	May 1, 2026
Instrument	202640140
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5033
Investor	Possibly a Property Investor

Mortgage

Document Number	0000040140,
Date	May 11, 2026
Book Page	6360/1901
Instrument	202640140

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	May 19, 2023
Property Address	249 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5033
Document Number	0057601100
Book / Page	5760 / 1100
Instrument Date	May 18, 2023
Instrument	2023038680
Transaction Type	Transfer
Record Updated	Jun 5, 2023
Title Company	ESTATE TITLE/STATE AUGUSTINE INC, ESTATE TTL OF ST AUGUSTINE I

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	249 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5033

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Apr 27, 2022
Property Address	249 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5033
Document Number	0055460863
Book / Page	5546 / 863
Instrument Date	Apr 19, 2022
Instrument	2022043173
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	249 CHARLOTTE ST, 249, ST AUGUSTINE, FL 32084-5033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 CHARLOTTE ST, ST AUGUSTINE, FL 32084-5033

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 17, 2020
Property Address	249 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5033
Document Number	0048831939
Book / Page	004883 / 001939
Instrument Date	Feb 12, 2020
Instrument	12218
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	OLDE TOWNE TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$2,723.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 STEVENS RD CLINTON CT 064132027, CLINTON, CT 06413-2027

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$526,800 (-1.81%) Land $341,040 Building $185,760	$526,800 (-1.81%) Land $341,040 Building $185,760
2025	$9,782.00 (+5.08%) Homeowner's exemption	$536,509 (+2.2%)	$536,509 (+2.2%) Land $341,040 Building $195,469
2024	$9,309.00 (+16.1%)
2023	$8,018.00 (+15.25%)	$524,956 (+38.5%)	$524,956 (+38.5%) Land $341,040 Building $183,916
2022	$6,957.00	$379,030	$379,030 Land $255,488 Building $123,542

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 165 individual policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	249 units insured incl. 84 condo units
Nearby Flood Claims	296 (1984–2024)
Claims Outside the SFHA	1 of 296
Most Recent Claim	Sep 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 Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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

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

May also be available: T-Mobile.

Nearby Properties on Charlotte St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures