3324 11th St, Elkton, FL 32033 Property Records

St. Johns County property record for 3324 11th St, Elkton, FL 32033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,584 sqft · built 1980
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,060 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`138780-0900`

Property Details

APN / Parcel Number

Primary APN	`138780-0900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,584 sqft Living Area
1st Floor Area	768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1997
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,405 sqft (0.17 acres)
Lot Width	75 ft Width

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	320 sqft
Deck Area	290 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3324 11TH ST
City	ELKTON
State	FL
Zip	32033-2116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	5-29 VERMONT HEIGHTS E1/2 LOT 7 & ALL LOT 9 BLK 83 OR1418/1126 & 1429/1151(C/D) &1781/1796 &1897/265(C/D)
Legal Range	29E
Legal Township	08S
Legal Section	17
Legal Subdivision	VERMONT HEIGHTS
Legal Block	83
Legal Lot Number	7,9
Jurisdiction	ST JOHNS FL
Township / Civil Division	HASTINGS
Census Block Group	3
Census Block	3007
Census Tract	21102

Owner

3324 11th St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	3324 11TH ST, ELKTON, FL 32033-2116
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
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Sep 20, 2018	Deed of Trust, Mortgage · Commercial Mortgage COMPASS BANK
Dec 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3324 11TH ST, ELKTON, FL 32033-2116
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3324 11TH ST, ELKTON, FL 32033-2116

Mortgage

Document Number	0053550410
Date	Aug 30, 2021
Book Page	5355/410
Instrument	2021095240

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3324 11TH ST, ELKTON, FL 32033-2116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046141741
Date	Sep 20, 2018
Book Page	4614/1741
Instrument	2018068299

Lender

Name	COMPASS BANK
Type	Bank
Address	SAINT AUGUSTINE, FL 32084

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 31, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3324 11TH ST, ELKTON, FL 32033-2116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046491022
Date	Dec 4, 2018
Book Page	4649/1022
Instrument	2018086613

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3324 11th St was $1,060 with a homeowner's exemption, up 19.4% 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		$95,177 (+2.7%)	$265,891 (-1.6%) Land $42,375 Building $223,516
2025	$1,060.00 (+19.37%) Homeowner's exemption	$92,675 (+2.9%)	$270,205 (-5.82%) Land $46,575 Building $223,630
2024	$888.00 (+2.78%) Homeowner's exemption	$90,063 (+3%)	$286,896 (+9.51%) Land $46,575 Building $240,321
2023	$864.00 (+13.83%) Homeowner's exemption	$87,440 (+9.02%)	$261,988 (+13.68%) Land $36,975 Building $225,013
2022	$759.00 Homeowner's exemption	$80,204	$230,470 Land $42,000 Building $188,470

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

Flood

FEMA maps place 3324 11th St in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 45 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	45 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Oct 2024 · Hurricane Milton

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 3324 11th St is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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.

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 297 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

May also be available: T-Mobile.

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