320 San Nicolas Way, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 320 San Nicolas Way, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,986 sqft · built 2001
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Feb 2018)
Tax Bill	$4,066 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Feb 2018 Sale
Flood Zone	Zone X (moderate risk)
APN	`175931-0640`

Property Details

APN / Parcel Number

Primary APN	`175931-0640`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,986 sqft Living Area
Gross Area	2,934 sqft
1st Floor Area	1,986 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	1,048 sqft
Patio Area	608 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 SAN NICOLAS WAY
City	SAINT AUGUSTINE
State	FL
Zip	32080-7731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	38/12-20 OCEAN PALMS PHASE 2 LOT 64 OR4502/740
Legal Range	30E
Legal Township	08S
Legal Section	15
Legal Subdivision	OCEAN PALMS PHASE 2
Legal Phase	2
Legal Block	2
Legal Lot Number	64
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2008
Census Tract	21404

Owner

320 San Nicolas Way is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	320 SAN NICOLAS WAY, SAINT AUGUSTINE, FL 32080-7731
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CU/FL
Feb 13, 2018	Warranty Deed, Transfer LAND TITLE/AMERICA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2018 · Amount on File
Deed Sale	Feb 13, 2018 · Amount on File
Deed Document Number	20189698
Deed Book / Page	4502 / 740
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	320 SAN NICOLAS WAY, SAINT AUGUSTINE, FL 32080-7731
Document Number	0048821505
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 SAN NICOLAS WAY ST AUGUSTINE FL 320807731, ST AUGUSTINE, FL 32080-7731

Mortgage

Document Number	0048821505
Date	Feb 13, 2020
Book Page	004882/001505
Instrument	11592

Lender

Name	COMMUNITY FIRST CU/FL
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 12, 2040

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 13, 2018
Property Address	320 SAN NICOLAS WAY, SAINT AUGUSTINE, FL 32080-7731
Document Number	0045020740
Book / Page	004502 / 000740
Instrument Date	Feb 9, 2018
Instrument	9698
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	LAND TITLE/AMERICA INC

Transaction

Amount	Amount on Record
Tax	$2,485.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 SAN NICOLAS WAY ST AUGUSTINE FL 320807731, ST AUGUSTINE, FL 32080-7731

Tax Assessment & Valuation

The 2025 property tax bill for 320 San Nicolas Way was $4,066 with a homeowner's exemption, up 12.6% 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		$323,292 (+2.7%)	$524,312 (-2.78%) Land $160,000 Building $364,312
2025	$4,066.00 (+12.63%) Homeowner's exemption	$314,793 (+2.9%)	$539,322 (+2.26%) Land $160,000 Building $379,322
2024	$3,610.00 (+2.01%) Homeowner's exemption	$305,921 (+3%)	$527,410 (+2.98%) Land $160,000 Building $367,410
2023	$3,539.00 (+2.97%) Homeowner's exemption	$297,011 (+3%)	$512,133 (+0.84%) Land $160,000 Building $352,133
2022	$3,437.00 Homeowner's exemption	$288,360	$507,855 Land $156,800 Building $351,055

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

Flood

FEMA maps place 320 San Nicolas Way in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 703 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	781 units insured incl. 78 condo units
Nearby Flood Claims	418 (1986–2024)
Claims Outside the SFHA	11 of 418
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 39 claims Hurricane Irma, Sep 2017 · 72 claims Hurricane Matthew, Oct 2016 · 232 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 320 San Nicolas Way 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within 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	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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