321 Charlotte St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 321 Charlotte St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 1926
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$183,500 (Apr 2000)
Tax Bill	$3,641 (2025)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`200970-0000`

Property Details

APN / Parcel Number

Primary APN	`200970-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,600 sqft Living Area
Gross Area	1,708 sqft
1st Floor Area	726 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1996
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,742 sqft (0.04 acres)
Lot Dimensions	40 ft deep x 44 ft wide
Garage Type	Carport
Garage Area	132 sqft
Carport	Carport
Carport Area	132 sqft

Exterior Amenities

Porch	Enclosed Glass Porch
Porch Area	108 sqft
Deck Area	132 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	321 CHARLOTTE ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-5034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF ST AUG N44.5 OF W40FT OF LOT 1 BLK 43-A OR1491/892
Legal Range	30E
Legal Township	07S
Legal Section	20
Legal Subdivision	CITY OF ST AUGUSTINE
Legal Block	43
Legal Lot Number	1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1029
Census Tract	20500

Owner

Source: St. Johns County assessment roll, APN 200970-0000, as of 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 Record	2 Individual Names on File
Mailing Address	321 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 26, 2000 · Amount on Record
Deed Sale	Apr 26, 2000 · Amount on Record
Deed Document Number	200017464
Deed Book / Page	1491 / 892
Last Transfer Date	Nov 03, 2003
Transfer Doc	0000089406
Record Updated	Jun 08, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	321 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5034
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043520834
Date	Mar 31, 2017
Book Page	4352/0834
Instrument	2017022514

Lender

Name	FIDELITY BANK
Type	Bank
Address	SAINT AUGUSTINE, FL 32084

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Feb 22, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Municipality	St. Augustine City
Unified School District	St. 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$233,025 (+2.7%)	$500,561 (+3.59%) Land $178,640 Building $321,921
2025	$3,641.00 (+8.3%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$226,899 (+2.9%)	$483,234 (+2.03%) Land $178,640 Building $304,594
2024	$3,362.00 (+2.84%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$220,504 (+3%)	$473,615 (-6.31%) Land $178,640 Building $294,975
2023	$3,269.00 (+3.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$214,082 (+3%)	$505,488 (+39.43%) Land $178,640 Building $326,848
2022	$3,155.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$207,847	$362,532 Land $145,080 Building $217,452

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), as of September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090205001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 165 individual policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	249 units insured incl. 84 condo units
Nearby Flood Claims	296 (1984–2024)
Claims Outside the SFHA	1 of 296
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Ian, Sep 2022 · 25 claims Hurricane Irma, Sep 2017 · 82 claims Hurricane Matthew, Oct 2016 · 124 claims

Wildfire

Wildfire Risk	Not rated no burnable land within 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.

Internet Providers

Source: FCC Broadband Data Collection, 153 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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

May also be available: T-Mobile USA.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL2550210, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. AUGUSTINE WS serves 43,069 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.