286 Cervantes Ave, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 286 Cervantes Ave, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,104 sqft · built 2005
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$174,900 (Jan 2020)
Tax Bill	$1,986 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`092630-0390`

Property Details

APN / Parcel Number

Primary APN	`092630-0390`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	95 ft deep x 60 ft wide
Porch	Finished/Open Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	286 CERVANTES AVE
City	SAINT AUGUSTINE
State	FL
Zip	32084-2557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	3-147 SANTA ROSA SUB LOT 39 BLK 15 (EX ELY SLIVER PART IN OR2508/1148) OR4869/1285
Legal Range	29E
Legal Township	07S
Legal Section	12
Legal Subdivision	SANTA ROSA IN ST. AUGUSTINE
Legal Block	15
Legal Lot Number	39
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3015
Census Tract	21002

Owner

Source: St. Johns County assessment roll, APN 092630-0390, as of April 13, 2026 · Last verified April 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 File
Mailing Address	286 CERVANTES AVE, SAINT AUGUSTINE, FL 32084-2557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 22, 2020 · Amount on Record
Deed Sale	Jan 22, 2020 · Amount on Record
Prior Sale	Aug 19, 2005 · Amount on Record
Deed Document Number	20205021
Deed Book / Page	4869 / 1285
Prior Transfer Date	Aug 17, 2011
Prior Transfer Doc	0034651118
Record Updated	Jun 08, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 22, 2020
Property Address	286 CERVANTES AVE, SAINT AUGUSTINE, FL 32084-2557
Document Number	0048691285
Book / Page	4869 / 1285
Map Reference	MB 3 PG 147
Instrument Date	Jan 22, 2020
Instrument	2020005021
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,224.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25 FERROL RD, 25, ST AUGUSTINE, FL 32084-2952

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 CERVANTES AVE, ST AUGUSTINE, FL 32084-2557

Mortgage

Document Number	48691287
Date	Jan 22, 2020
Instrument	4869/1287

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2050

Tax Assessment & Valuation

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

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		$165,342 (+2.7%)	$236,150 (+6.05%) Land $52,920 Building $183,230
2025	$1,986.00 (+15%) Homeowner's exemption	$160,995 (+5.99%)	$222,679 (+5.43%) Land $52,920 Building $169,759
2024	$1,727.00 (+2.31%)
2023	$1,688.00 (+3.81%) Homeowner's exemption	$151,901 (+3%)	$211,202 (-0.1%) Land $47,040 Building $164,162
2022	$1,626.00 Homeowner's exemption	$147,477	$211,408 Land $32,928 Building $178,480

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), as of September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090210023, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 43 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, 287 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
IQ Fiber Intermediate Holdings Fiber	5,000 / 5,000
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
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL2550210, 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.