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345 Charlotte St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 345 Charlotte St, Saint Augustine, FL 32084

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,908 sqft · built 2004
Lot Size0.08 acres (3,484 sqft)
Owner2 Company Names on File
Last Sale$875,000 (Apr 2026)
Tax Bill$14,616 (2025)
Deeds & MortgagesApr 2026 Sale & Mortgage
Dec 2021 Sale
+ 3 more
Flood ZoneZone AE (high risk)
APN201120-0000

Property Details

APN / Parcel Number

Primary APN201120-0000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area1,908 sqft Living Area
1st Floor Area1,008 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2009
Exterior MaterialConcrete
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area3,484 sqft (0.08 acres)
Lot Dimensions45 ft deep x 75 ft wide
PorchFinished/Open Porch
Porch Area322 sqft
Patio Area171 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address345 CHARLOTTE ST
CitySAINT AUGUSTINE
StateFL
Zip32084-5034
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCITY OF ST AUG W44.3 OF S75FT OF LOT 6 BLK 43-A OR5443/817
Legal Range30E
Legal Township07S
Legal Section20
Legal SubdivisionCITY OF ST AUGUSTINE
Legal Block43
Legal Lot Number6
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1029
Census Tract20500

Owner

Source: St. Johns County records · APN 201120-0000

Assessment roll updated April 13, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on File
Mailing Address345 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5034
OccupancyOwner Occupied
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
Apr 20, 2026Warranty Deed, Transfer · Conventional Mortgage
JPMORGAN CHASE BANK N A
Dec 13, 2021Warranty Deed, Transfer
ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS
Apr 26, 2018Deed of Trust, Mortgage · Conventional Mortgage
REGIONS BANK
Jul 25, 2018Warranty Deed, Transfer · Conventional Mortgage
SUNTRUST MORTGAGE INC
Mar 21, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 20, 2026 · Amount on Record
Deed SaleApr 20, 2026 · Amount on Record
Prior SaleDec 13, 2021 · Amount on Record
Deed Document Number202633434
Deed Book / Page6347 / 560
Prior Transfer DateMar 21, 2018
Prior Transfer Doc0045190899
Record UpdatedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateApr 20, 2026
Property Address345 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5034
Document Number0000033434
Book / Page6347 / 560
Instrument DateApr 20, 2026
Instrument2026.33434
Transaction TypeTransfer
Record UpdatedMay 04, 2026
Title CompanySOUTHERN CENTRAL TITLE, SOUTHERN CAPITAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$618,625.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Tenant
Address345 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5034

Mortgage

Document Number0000033436,
DateApr 20, 2026
Instrument2026..33436
Lender
NameJPMORGAN CHASE BANK N A
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeFixed Rate
Rate6%
Initial TypeFixed Rate
Max Rate-1%

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateDec 13, 2021
Property Address345 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5034
Document Number0054430817
Book / Page5443 / 817
Instrument DateDec 13, 2021
Instrument2021134546
Transaction TypeTransfer
Record UpdatedDec 24, 2021
Title CompanyACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

AmountAmount Recorded
Tax$5,565.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address46 WEEDEN ST, 46, ST AUGUSTINE, FL 32084-4308

Transferred To (Grantee/Buyer)

NameVerified Name
Address345 CHARLOTTE ST, ST AUGUSTINE, FL 32084-5034

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address345 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5034
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0045371393
DateApr 26, 2018
Book Page4537/1393
Instrument2018028365
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueMay 01, 2033

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJul 25, 2018
Property Address345 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5034
Document Number0045850936
Book / Page4585 / 0936
Instrument DateJul 24, 2018
Instrument2018053230
Transaction TypeTransfer
Record UpdatedAug 31, 2021
Title CompanyACTION TITLE SVCS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address459 ROYAL TERN RD S, PONTE VEDRA BEACH, FL 32082-7230

Mortgage

Document Number2018053231
DateJul 25, 2018
Instrument2018053231
Lender
NameSUNTRUST MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2048

March 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST JOHNS FL
Recording DateMar 21, 2018
Property Address345 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5034
Document Number0045190899
Book / Page004519 / 000899
Instrument DateMar 21, 2018
Instrument18813
Transaction TypeTransfer
Record UpdatedMar 28, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3513 BOBWOOD DR ST AUGUSTINE FL 320864347, ST AUGUSTINE, FL 32086-4347

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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$803,459 (+2.7%)$808,424 (+3.33%) Land $326,250 Building $482,174
2025$14,616.00 (+6.59%) Homeowner's exemption$782,336 (-18.68%)$782,336 (-18.68%) Land $326,250 Building $456,086
2024$13,712.00 (-21.63%)
2023$17,496.00 (+39.13%) Homeowner's exemption$962,082 (+46.71%)$962,082 (+46.71%) Land $326,250 Building $635,832
2022$12,575.00$655,757$655,757 Land $231,840 Building $423,917

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 165 individual policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies249 units insured
incl. 84 condo units
Nearby Flood Claims296 (1984–2024)
Claims Outside the SFHA1 of 296
Most Recent ClaimSep 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Based on FCC filings for 153 locations within half a mile of this property.

Drinking Water

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

Water SystemST. AUGUSTINE WS
serves 43,069 people
Water SourceGroundwater
Last State InspectionSep 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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.

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