2681 C H Arnold Rd, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 2681 C H Arnold Rd, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,212 sqft · built 1988
Lot Size	3.8 acres (165,528 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (Apr 2022)
Tax Bill	$5,261 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016500-0220`

Property Details

APN / Parcel Number

Primary APN	`016500-0220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,212 sqft Living Area
Gross Area	2,936 sqft
1st Floor Area	1,748 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1993
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	165,528 sqft (3.8 acres)
Lot Dimensions	683 ft deep x 250 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	267 sqft
Deck Area	374 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2681 C H ARNOLD RD
City	SAINT AUGUSTINE
State	FL
Zip	32092-0213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	2-22 PT OF W1/2 OF NE1/4 250 X 837FT -AKA PARCEL 15W (EX WLY 1AC IN OR1550/2) OR5529/907
Legal Range	27E
Legal Township	07S
Legal Section	01
Legal Subdivision	15W
Legal Tract	15W
Legal Lot Number	2-22
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2008
Census Tract	21004

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 Record	Individual Name on Record
Mailing Address	2681 C H ARNOLD RD, SAINT AUGUSTINE, FL 32092-0213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 4, 2022	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2022 · Amount on Record
Deed Sale	Apr 4, 2022 · Amount on Record
Deed Document Number	202234587
Deed Book / Page	5529 / 907
Prior Transfer Date	Sep 23, 2015
Prior Transfer Doc	0040891632
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	2681 C H ARNOLD RD, SAINT AUGUSTINE, FL 32092-0213
Transaction Type	Mortgage
Record Updated	Feb 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2681 C H ARNOLD RD, ST AUGUSTINE, FL 32092-0213

Mortgage

Document Number	0058941961
Date	Feb 2, 2024
Book Page	5894/1961
Instrument	2024008398

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 4, 2022
Property Address	2681 C H ARNOLD RD, SAINT AUGUSTINE, FL 32092-0219
Document Number	0055290907
Book / Page	5529 / 907
Instrument Date	Mar 31, 2022
Instrument	2022034587
Transaction Type	Transfer
Record Updated	Apr 15, 2022
Title Company	LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3134 27 CT E, 3134, PALMETTO, FL 34221-2558

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2681 C H ARNOLD RD, ST AUGUSTINE, FL 32092-0219

Mortgage

Document Number	0005529909
Date	Apr 4, 2022
Instrument	5529/909

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Apr 1, 2032
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	8.25%

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		$415,548 (+2.7%)	$663,698 (+11.11%) Land $300,200 Building $363,498
2025	$5,261.00 (+12.17%) Homeowner's exemption	$404,623 (+5.99%)	$597,344 (+23.11%) Land $285,000 Building $312,344
2024	$4,690.00 (+1.96%)
2023	$4,600.00 (+142.11%) Homeowner's exemption	$381,767 (+125.39%)	$485,194 (+9.19%) Land $195,776 Building $289,418
2022	$1,900.00 Homeowner's exemption	$169,384	$444,341 Land $195,776 Building $248,565

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 115 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	21 (2016–2022)
Claims Outside the SFHA	6 of 21
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 5 claims Hurricane Matthew, Oct 2016 · 13 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	Moderate above 58% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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