28 Water St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 28 Water St, Saint Augustine, FL 32084

Property Summary

Property Type	Multi-Family Dwellings
Details	6 bd · 4 ba · 5,345 sqft · built 1925
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Trust Names on File
Tax Bill	$14,024 (2025)
Deeds & Mortgages	Jul 2019 Transfer
Flood Zone	Zone AE (high risk)
APN	`194700-0000`

Property Details

APN / Parcel Number

Primary APN	`194700-0000`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Plumbing Fixtures	20 Plumbing Fixtures
Stories	2 Stories
Building Area	5,345 sqft Living Area
Gross Area	6,220 sqft
1st Floor Area	3,272 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	35,719 sqft (0.82 acres)
Lot Dimensions	379 ft deep x 283 ft wide
Garage Type	Attached
Garage Area	875 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	1,050 sqft
Porch	Finished/Open Porch
Porch Area	731 sqft
Deck Area	72 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	28 WATER ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-2883
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	ABBOTT TRACT CITY E61.75FT OF LOT 8 & ALL LOTS 9 10 & 11 BLK B OR992/690 & 4762/742
Legal Range	30E
Legal Township	07S
Legal Section	18
Legal Subdivision	ABBOTT TRACT
Legal Block	B
Legal Lot Number	8,9
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2010
Census Tract	20200

Owner

Source: St. Johns County records · APN 194700-0000

Assessment roll updated April 13, 2026 · Last verified June 2026

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

Owner of Record	2 Trust Names on File
Mailing Address	28 WATER ST, SAINT AUGUSTINE, FL 32084-2883
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 18, 2019
Transfer Doc	0047620742
Record Updated	Sep 20, 2026

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 19, 2019
Property Address	28 WATER ST, SAINT AUGUSTINE, FL 32084-2883
Document Number	0047620742
Book / Page	004762 / 000742
Instrument Date	Jul 18, 2019
Instrument	52189
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	28 WATER ST ST AUGUSTINE FL 320842883, ST AUGUSTINE, FL 32084-2883

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$759,317 (+2.7%)	$2,699,938 (-2.5%) Land $1,449,188 Building $1,250,750
2025	$14,024.00 (+7.49%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$739,354 (+2.9%)	$2,769,100 (+2.95%) Land $1,449,188 Building $1,319,912
2024	$13,047.00 (+2.28%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$718,517 (+3%)	$2,689,875 (+3.45%) Land $1,449,188 Building $1,240,687
2023	$12,756.00 (+4.15%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$697,589 (+3%)	$2,600,100 (+12.2%) Land $1,323,777 Building $1,276,323
2022	$12,248.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$677,271	$2,317,439 Land $1,326,565 Building $990,874

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 351 individual policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	359 units insured incl. 8 condo units
Nearby Flood Claims	217 (1979–2024)
Claims Outside the SFHA	9 of 217
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Ian, Sep 2022 · 5 claims Hurricane Irma, Sep 2017 · 53 claims Hurricane Matthew, Oct 2016 · 110 claims

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic District	Within the Abbott Tract Historic District (Additional Documentation) listed 1983 · 122 contributing resources · NRIS 83001438

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 317 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. AUGUSTINE WS serves 43,069 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.