2897 N 1st St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 2897 N 1st St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1990
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$303,000 (Apr 2024)
Tax Bill	$334 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`084920-0370`

Property Details

APN / Parcel Number

Primary APN	`084920-0370`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2012
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Area	300 sqft
Porch	Finished/Open Porch
Porch Area	16 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2897 N 1ST ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-1941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	3/73 PONCE DE LEON HEIGHTS LOT 37 BLK 1 OR5937/1371
Legal Range	29E
Legal Township	07S
Legal Section	02
Legal Subdivision	PONCE DE LEON HEIGHTS UNIT 1
Legal Block	1
Legal Lot Number	37
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3012
Census Tract	20903

Owner

Source: St. Johns County records, as of April 13, 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	2897 N 1ST ST, SAINT AUGUSTINE, FL 32084-1941
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
Jun 1, 2021	Deed of Trust, Mortgage · FHA Mortgage DMI MORTGAGE SERVICING
Feb 1, 2024	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC
Apr 25, 2024	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO
Aug 13, 2019	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK
Mar 25, 2019	Warranty Deed, Transfer LAND TITLE/AMERICA INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2024 · Amount on Record
Deed Sale	Apr 25, 2024 · Amount on Record
Prior Sale	Aug 13, 2019 · Amount on Record
Deed Document Number	202431160
Deed Book / Page	5937 / 1371
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	2897 N 1ST ST, SAINT AUGUSTINE, FL 32084-1941
Transaction Type	Mortgage
Record Updated	Feb 27, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2897 N 1ST ST, SAINT AUGUSTINE, FL 32084-1941

Mortgage

Document Number	0063050218
Date	Feb 13, 2026
Book Page	6305/218
Instrument	2026012368

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	2897 N 1ST ST, SAINT AUGUSTINE, FL 32084-1941
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2897 N 1ST ST, SAINT AUGUSTINE, FL 32084-1941

Mortgage

Document Number	0052780965
Date	Jun 1, 2021
Book Page	5278/965
Instrument	2021060822

Lender

Name	DMI MORTGAGE SERVICING
Type	Non-Lending Institution
Address	DALLAS, TX 75201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Aug 1, 2049

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	2897 N 1ST ST, SAINT AUGUSTINE, FL 32084-1941
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2897 N 1ST ST, ST AUGUSTINE, FL 32084-1941

Mortgage

Document Number	0058941049
Date	Feb 1, 2024
Book Page	5894/1049
Instrument	2024008189

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Feb 1, 2053

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 25, 2024
Property Address	2897 N 1ST ST, SAINT AUGUSTINE, FL 32084-1941
Document Number	0059371371
Book / Page	5937 / 1371
Map Reference	MB 3 PG 73
Instrument Date	Apr 24, 2024
Instrument	2024031160
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,121.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2897 N 7TH ST, ST AUGUSTINE, FL 32084-1840

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2897 N 1ST ST, SAINT AUGUSTINE, FL 32084-1941

Mortgage

Document Number	0059371373
Date	Apr 25, 2024
Instrument	5937/1373

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 13, 2019
Property Address	2897 N 1ST ST, SAINT AUGUSTINE, FL 32084-1941
Document Number	0047770017
Book / Page	4777 / 0017
Map Reference	MB 3 PG 73
Instrument Date	Jul 5, 2019
Instrument	2019059325
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAND TITLE OF AMERICA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,183.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 CARCABA RD, 105, SAINT AUGUSTINE, FL 32084-1707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 POND APPLE RD, CLARKSVILLE, TN 37043-2211

Mortgage

Document Number	0000477719
Date	Aug 13, 2019
Instrument	4777/19

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 25, 2019
Property Address	2897 N 1ST ST, SAINT AUGUSTINE, FL 32084-1941
Document Number	0046980868
Book / Page	004698 / 000868
Instrument Date	Mar 8, 2019
Instrument	19867
Transaction Type	Transfer
Record Updated	Apr 2, 2019
Title Company	LAND TITLE/AMERICA INC

Transaction

Amount	Amount Recorded
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	2897 N 1ST ST ST AUGUSTINE FL 320841941, ST AUGUSTINE, FL 32084-1941

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		$219,173 (+2.7%)	$224,155 (+5.03%) Land $37,500 Building $186,655
2025	$334.00 (-78.49%) Disabled Person's exemption Veteran's exemption	$213,411 (+48.85%)	$213,411 (+34.96%) Land $37,500 Building $175,911
2024	$1,553.00 (+2.44%)
2023	$1,516.00 (+0.2%) Homeowner's exemption Widower's exemption	$143,377 (+3%)	$158,133 (-4.96%) Land $33,750 Building $124,383
2022	$1,513.00 Homeowner's exemption Widower's exemption	$139,201	$166,380 Land $28,000 Building $138,380

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 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 279 locations within half a mile, as of December 31, 2025

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: IQ Fiber.

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