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3 Atlantic Oaks Cir, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 3 Atlantic Oaks Cir, Saint Augustine, FL 32080

Property Summary

Property TypeDuplex
Details2,170 sqft · built 1981
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$230,000 (Jun 2016)
Tax Bill$7,077 (2025)
Deeds & MortgagesDec 2025 Mortgage
Apr 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN172401-0020

Property Details

APN / Parcel Number

Primary APN172401-0020

Interior

Plumbing Fixtures14 Plumbing Fixtures
Units2 Units
Stories2 Stories
Building Area2,170 sqft Living Area
Gross Area3,010 sqft
1st Floor Area1,085 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1988
Exterior MaterialStucco
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.17 acres)
Lot Width75 ft Width
Garage TypeAttached
Garage Area672 sqft
Parking Spaces1 Parking Space
PorchFinished Screened Porch
Porch Area443 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3 ATLANTIC OAKS CIR
CitySAINT AUGUSTINE
StateFL
Zip32080-6876
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Legal Description14/19 ATLANTIC OAKS LOT 2 BLK A OR4199/1229
Legal Range30E
Legal Township08S
Legal Section03
Legal SubdivisionATLANTIC OAKS
Legal BlockA
Legal Lot Number2
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1030
Census Tract21410

Owner

3 Atlantic Oaks Cir, a duplex, is owned by two individuals who bought it in June 2016.

Source: St. Johns County records, as of June 17, 2026

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

Owner of Record2 Individual Names on File
Mailing Address125 CEDAR RIDGE LN, JONESBOROUGH, TN 37659-6750
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 8, 2025Deed of Trust, Mortgage · Conventional Mortgage
ANGEL OAK MORTGAGE SOLUTIONS LLC
Apr 11, 2017Deed of Trust, Mortgage · Commercial Mortgage
FBT MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 1, 2016 · Amount on File
Deed SaleJun 1, 2016 · Amount on File
Deed Document Number201633942
Deed Book / Page4199 / 1229
Record UpdatedOct 29, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address3 ATLANTIC OAKS CIR, SAINT AUGUSTINE, FL 32080-6876
Transaction TypeMortgage
Record UpdatedDec 22, 2025
Title CompanyPROGRESSIVE LAND TITLE AGENCY LI, PROGRESSIVE LAND TTL AGCY LT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3 ATLANTIC OAKS CIR, ST AUGUSTINE, FL 32080-6876

Mortgage

Document Number0062691294
DateDec 8, 2025
Book Page6269/1294
Instrument2025099476
Lender
NameANGEL OAK MORTGAGE SOLUTIONS LLC
TypeMortgage Company
AddressATLANTA, GA 30328
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueDec 1, 2055

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address3 ATLANTIC OAKS CIR, SAINT AUGUSTINE, FL 32080-6876
Transaction TypeMortgage
Record UpdatedJan 28, 2022
Title CompanyRET ESTATE TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0043571835
DateApr 11, 2017
Book Page4357/1835
Instrument2017025277
Lender
NameFBT MORTGAGE LLC
TypeMortgage Company
AddressOCEAN SPRINGS, MS 39564
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3 Atlantic Oaks Cir was $7,077, up 14.5% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
MunicipalitySt. Augustine Beach City
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$395,612 (-7.06%)$422,127 (-0.83%) Land $205,000 Building $217,127
2025$7,077.00 (+14.48%)$425,674 (+8.42%)$425,674 (+8.42%) Land $205,000 Building $220,674
2024$6,182.00 (+6.44%)$392,602 (+0.03%)$392,602 (+0.03%) Land $185,000 Building $207,602
2023$5,808.00 (+10.97%)$392,492 (+21.25%)$392,492 (+21.25%) Land $185,000 Building $207,492
2022$5,234.00$323,705$323,705 Land $145,600 Building $178,105

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

Flood

FEMA maps place 3 Atlantic Oaks Cir in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 243 individual policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies365 units insured
incl. 122 condo units
Nearby Flood Claims5 (2016–2024)
Claims Outside the SFHA4 of 5
Most Recent ClaimSep 2024 · other causes
Claims by Event
  • Hurricane Matthew, Oct 2016 · 2 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

Wildfire risk around 3 Atlantic Oaks Cir is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemSJCU-CR214 MAINLAND WTP
serves 66,953 people · EPA ID FL2554447
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 382 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

May also be available: IQ Fiber.

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