St. Johns County property record for 309 Papaya Ave, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,371 sqft · built 1999 |
| Lot Size | 0.11 acres (4,791 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Aug 2004) |
| Tax Bill | $334 (2025) |
| Deeds & Mortgages | May 2026 Sale Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 074531-0420 |
| Primary APN | 074531-0420 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,371 sqft Living Area |
| Gross Area | 2,041 sqft |
| 1st Floor Area | 1,371 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,791 sqft (0.11 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 392 sqft |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 309 PAPAYA AVE |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8079 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 28/110-116 EAGLE CREEK OF ST AUGUSTINE LOT 42 OR2258/790 |
| Legal Range | 29E |
| Legal Township | 06S |
| Legal Section | 50 |
| Legal Subdivision | EAGLE CREEK OF ST AUGUSTINE |
| Legal Block | 2 |
| Legal Lot Number | 42 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 20606 |
Source: St. Johns County records, as of June 9, 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 | 309 PAPAYA AVE, ST AUGUSTINE, FL 32095-8079 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| May 28, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 4, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2004 · Amount on Record |
| Deed Sale | Aug 9, 2004 · Amount on Record |
| Deed Document Number | 200460321 |
| Deed Book / Page | 2258 / 790 |
| Last Transfer Date | Apr 10, 2026 |
| Transfer Doc | 0000045371 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 28, 2026 |
| Property Address | 309 PAPAYA AVE, SAINT AUGUSTINE, FL 32095-8079 |
| Document Number | 0000045371 |
| Book / Page | 6371 / 1155 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202645371 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 309 PAPAYA AVE, SAINT AUGUSTINE, FL 32095-8079 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 309 PAPAYA AVE, SAINT AUGUSTINE, FL 32095-8079 |
| Document Number | 0049380874 |
| Instrument Date | Apr 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 309 PAPAYA AVE ST AUGUSTINE FL 320958079, ST AUGUSTINE, FL 32095-8079 |
| Document Number | 0049380874 |
|---|---|
| Date | May 7, 2020 |
| Book Page | 004938/000874 |
| Instrument | 35302 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 6, 2035 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $135,822 (+2.7%) | $256,852 (-3.37%) Land $65,000 Building $191,852 | |
| 2025 | $334.00 (+31.5%) Disabled Person's exemption Veteran's exemption | $132,251 (+2.9%) | $265,818 (-4.08%) Land $60,000 Building $205,818 |
| 2024 | $254.00 Disabled Person's exemption Veteran's exemption | $128,524 (+3%) | $277,125 (+3.11%) Land $74,000 Building $203,125 |
| 2023 | $254.00 (-79.23%) Disabled Person's exemption Veteran's exemption | $124,781 (+3%) | $268,776 (+4.9%) Land $70,000 Building $198,776 |
| 2022 | $1,223.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $121,147 | $256,217 Land $61,600 Building $194,617 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 252 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 350 units insured incl. 98 condo units |
| Nearby Flood Claims | 17 (2012–2024) |
| Claims Outside the SFHA | 1 of 17 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SJCU-EAGLE CREEK WS serves 655 people · EPA ID FL2554353 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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