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32 Charlotte St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 32 Charlotte St, Saint Augustine, FL 32084 · Last verified April 2026

Property Summary

Property TypeCommercial
Details1,872 sqft · built 1915
Lot Size0.06 acres (2,613 sqft)
OwnerCompany Name on File
Last Sale$810,000 (Apr 2021)
Tax Bill$15,784 (2025)
Deeds & MortgagesApr 2021 Sale & Line of Credit
Flood ZoneZone AE (high risk)
APN196720-0000

Property Details

APN / Parcel Number

Primary APN196720-0000

Interior

Plumbing Fixtures13 Plumbing Fixtures
Units3 Units
Stories2 Stories
Building Area1,872 sqft Gross Area
1st Floor Area746 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1915
Effective Year BuiltEffective 2005
Exterior MaterialWood
Construction TypeWood
Fire ResistanceWood or Wood & Steel Frame
Roof TypeGable/Hip
Roof MaterialAsbestos
Lot Area2,613 sqft (0.06 acres)
Lot Dimensions110 ft deep x 12 ft wide
PorchFinished/Open Porch
Porch Area408 sqft
Deck Area289 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address32 CHARLOTTE ST
CitySAINT AUGUSTINE
StateFL
Zip32084-3646
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionCITY OF ST AUG LOT 12 BLK 8 OR5238/1165
Legal Range30E
Legal Township07S
Legal Section18
Legal SubdivisionCITY OF ST AUGUSTINE
Legal Block8
Legal Lot Number12
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2044
Census Tract20500

Owner

Source: St. Johns County records · APN 196720-0000

Assessment roll updated 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 RecordCompany Name on File
Mailing AddressPO BOX 684, EDISTO ISLAND, SC 29438-0684
Owner TypeCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 15, 2021 · Amount on Record
Deed SaleApr 15, 2021 · Amount on Record
Deed Document Number202142137
Deed Book / Page5238 / 1165
Record UpdatedJun 08, 2026

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateApr 15, 2021
Property Address32 CHARLOTTE ST, ST AUGUSTINE, FL 32084-3646
Document Number0052381165
Book / Page5238 / 1165
Instrument DateApr 06, 2021
Instrument2021042137
Transaction TypeTransfer
Record UpdatedDec 20, 2022
Title CompanyLANDMARK TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5,670.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14 COQUINA AVE, SAINT AUGUSTINE, FL 32080-4529

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 684, EDISTO, SC 29438-0684

Mortgage

Document Number0052381167
DateApr 15, 2021
Instrument5238/1167
Lender
NameAMERIS BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
MunicipalitySt. Augustine City
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$777,412 (-2.03%) Land $496,660 Building $280,752$777,412 (-2.03%) Land $496,660 Building $280,752
2025$15,784.00 (+7.31%) Additional exemption filed$793,530 (+5.09%)$793,530 (+5.09%) Land $496,660 Building $296,870
2024$14,709.00 (+3.04%)
2023$14,275.00 (+9.81%) Additional exemption filed$755,060 (+12.66%)$755,060 (+12.66%) Land $457,450 Building $297,610
2022$13,000.00 Additional exemption filed$670,200$670,200 Land $209,120 Building $461,080

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090205002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 435 individual NFIP policies nearby
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies579 units insured
144 under condo master policies
Nearby Flood Claims542 (1988–2024)
Claims Outside the SFHA9 of 542
Most Recent ClaimSep 2024, tidal / storm surge
Claims By Storm
  • Hurricane Ian, Sep 2022 · 38 claims
  • Hurricane Irma, Sep 2017 · 137 claims
  • Hurricane Matthew, Oct 2016 · 263 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the St. Augustine Town Plan Historic District
listed 1970 · 223 contributing resources · National Historic Landmark (designated 1970) · NRIS 70000847

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 193 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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