2978 Bradford St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 2978 Bradford St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 1999
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jun 2023)
Tax Bill	$3,044 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083490-0280`

Property Details

APN / Parcel Number

Primary APN	`083490-0280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,536 sqft Living Area
1st Floor Area	1,536 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,325 sqft (0.26 acres)
Lot Dimensions	143 ft deep x 80 ft wide
Porch	Finished/Open Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2978 BRADFORD ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-1922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	1-19 SHEPPARD-CROSBY SUB PT OF W1/2 OF LOT 2 BLK 1 OR LOT 28 OF HIGH SCHOOL ESTS 2ND UNREC PLAT OR5775/304
Legal Range	29E
Legal Township	07S
Legal Section	01
Legal Subdivision	HIGH SCHOOL ESTATES UNIT 1 RESUB
Legal Block	1
Legal Lot Number	2,28
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3007
Census Tract	20903

Owner

2978 Bradford St is owned and occupied by two individuals who bought it in June 2023.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2978 BRADFORD ST, SAINT AUGUSTINE, FL 32084-1922
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 3, 2021	Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2023 · Amount on File
Deed Sale	Jun 14, 2023 · Amount on File
Prior Sale	Nov 3, 2021 · Amount on File
Deed Document Number	202346174
Deed Book / Page	5775 / 304
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 14, 2023
Property Address	2978 BRADFORD ST, SAINT AUGUSTINE, FL 32084-1922
Document Number	0057750304
Book / Page	5775 / 304
Map Reference	MB 1 PG 19
Instrument Date	May 25, 2023
Instrument	2023046174
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	NOT AVAILABLE, ST JOHNS BLUE OCEAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5141 BATLEY RD, JACKSONVILLE, FL 32210-7103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2978 BRADFORD ST, SAINT AUGUSTINE, FL 32084-1922

Mortgage

Document Number	0005775306
Date	Jun 14, 2023
Instrument	5775/306

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 3, 2021
Property Address	2978 BRADFORD ST, SAINT AUGUSTINE, FL 32084-1922
Document Number	0054111708
Book / Page	5411 / 1708
Map Reference	MB 1 PG 19
Instrument Date	Oct 29, 2021
Instrument	2021120034
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO OF PALATKA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,883.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39132 COUNTY ROAD 54 # 21402140, 21402140, ZEPHYRHILLS, FL 33542-1123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2978 BRADFORD ST, ST AUGUSTINE, FL 32084-1922

Mortgage

Document Number	0054111711
Date	Nov 3, 2021
Instrument	5411/1711

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2978 Bradford St was $3,044 with a homeowner's exemption, down 9% from the year before.

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		$245,689 (+2.7%)	$257,991 (+7.84%) Land $63,600 Building $194,391
2025	$3,044.00 (-9%) Homeowner's exemption	$239,230 (-16.02%)	$239,230 (-16.02%) Land $63,600 Building $175,630
2024	$3,345.00 (-13.12%) Homeowner's exemption	$284,859 (-1.93%)	$284,859 (-1.93%) Land $55,120 Building $229,739
2023	$3,850.00 (+11.3%)	$290,472 (+15.87%)	$290,472 (+15.87%) Land $55,120 Building $235,352
2022	$3,459.00	$250,693	$250,693 Land $48,421 Building $202,272

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

Flood

FEMA maps place 2978 Bradford St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File 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

Wildfire risk around 2978 Bradford St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% 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	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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: IQ Fiber.

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