249 Otero Pt, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 249 Otero Pt, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,527 sqft · built 2017
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,900 (Oct 2017)
Tax Bill	$7,982 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072153-3910`

Property Details

APN / Parcel Number

Primary APN	`072153-3910`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,527 sqft Living Area
Gross Area	3,163 sqft
1st Floor Area	2,131 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	313 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	249 OTERO PT
City	SAINT AUGUSTINE
State	FL
Zip	32095-7463
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	81/28-35 PALENCIA NORTH PHASE III B LOT 391 OR4764/278 & 4926/1461
Legal Range	29E
Legal Township	05S
Legal Section	28
Legal Subdivision	PALENCIA NORTH PHASE III B
Legal Phase	3
Legal Lot Number	391
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	20606

Owner

Source: St. Johns County records, as of June 15, 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	249 OTERO PT, SAINT AUGUSTINE, FL 32095-7463
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK
May 11, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Apr 20, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 31, 2017	Grant Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2017 · Amount on Record
Deed Sale	Oct 31, 2017 · Amount on Record
Deed Document Number	201773539
Deed Book / Page	4455 / 1409
Last Transfer Date	Apr 15, 2020
Transfer Doc	0049261461
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	249 OTERO PT, SAINT AUGUSTINE, FL 32095-7463
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 OTERO PT, SAINT AUGUSTINE, FL 32095-7463

Mortgage

Document Number	0062971614
Date	Feb 2, 2026
Book Page	6297/1614
Instrument	2026008338

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2046

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	249 OTERO PT, SAINT AUGUSTINE, FL 32095-7463
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 OTERO PT, SAINT AUGUSTINE, FL 32095-7463

Mortgage

Document Number	0057551605
Date	May 11, 2023
Book Page	5755/1605
Instrument	2023036137

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 20, 2020
Property Address	249 OTERO PT, SAINT AUGUSTINE, FL 32095-7463
Document Number	0049261461
Book / Page	004926 / 001461
Instrument Date	Apr 15, 2020
Instrument	30627
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	249 OTERO PT ST AUGUSTINE FL 320957463, ST AUGUSTINE, FL 32095-7463

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 31, 2017
Property Address	249 OTERO PT, SAINT AUGUSTINE, FL 32095-7463
Document Number	0044551409
Book / Page	004455 / 001409
Instrument Date	Oct 30, 2017
Instrument	73539
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$2,421.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	249 OTERO PT ST AUGUSTINE FL 320957463, ST AUGUSTINE, FL 32095-7463

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		$352,712 (+2.7%)	$541,388 (-1.08%) Land $115,000 Building $426,388
2025	$7,982.00 (+8.95%) Homeowner's exemption	$343,439 (+2.9%)	$547,326 (+2.58%) Land $115,000 Building $432,326
2024	$7,326.00 (+5.14%) Homeowner's exemption	$333,760 (+3%)	$533,554 (-0.79%) Land $115,000 Building $418,554
2023	$6,968.00 (+1.57%) Homeowner's exemption	$324,039 (+3%)	$537,825 (+22.12%) Land $115,000 Building $422,825
2022	$6,860.00 Homeowner's exemption	$314,601	$440,421 Land $78,400 Building $362,021

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 221 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 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	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% 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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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