346 Charlotte St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 346 Charlotte St, Saint Augustine, FL 32084

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 6 ba · 2,792 sqft · built 1910
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$980,000 (Jul 2021)
Tax Bill	$18,622 (2025)
Deeds & Mortgages	Aug 2021 Transfer Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`200650-0000`

Property Details

APN / Parcel Number

Primary APN	`200650-0000`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Units	2 Units
Stories	2 Stories
Building Area	2,792 sqft Living Area
1st Floor Area	1,348 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	150 ft deep x 55 ft wide

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	538 sqft
Deck Area	300 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	346 CHARLOTTE ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-5036
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	CITY OF ST AUG LOT 34 BLK 39-B OR5315/969 & 5337/306(L/E)
Legal Range	30E
Legal Township	07S
Legal Section	20
Legal Subdivision	CITY OF ST AUGUSTINE
Legal Block	39
Legal Lot Number	34
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1031
Census Tract	20500

Owner

Source: St. Johns County assessment roll, as of April 13, 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	346 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5036
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Jul 12, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Feb 16, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 12, 2021 · Amount on Record
Deed Sale	Jul 12, 2021 · Amount on Record
Prior Sale	Mar 1, 2012 · Amount on Record
Deed Document Number	202177068
Deed Book / Page	5315 / 969
Last Transfer Date	Jul 23, 2021
Transfer Doc	0053370306
Record Updated	Sep 20, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Aug 6, 2021
Property Address	346 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5036
Document Number	0053370306
Book / Page	5337 / 306
Instrument Date	Jul 23, 2021
Instrument	2021086987
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	346 CHARLOTTE ST, ST AUGUSTINE, FL 32084-5036

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 12, 2021
Property Address	346 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5036
Document Number	0053150969
Book / Page	5315 / 969
Instrument Date	Jul 2, 2021
Instrument	2021077068
Transaction Type	Transfer
Record Updated	Jul 26, 2021
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,860.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1478 RIVERPLACE BLVD APT 1906, 1478, JACKSONVILLE, FL 32207-1847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 CHARLOTTE ST, ST AUGUSTINE, FL 32084-5036

Mortgage

Document Number	5315971
Date	Jul 12, 2021
Instrument	5315/971

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	346 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5036
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045031849
Date	Feb 16, 2018
Book Page	4503/1849
Instrument	2018010485

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	346 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-5036
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNITED SHORE FINCL SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049171143
Date	Apr 6, 2020
Book Page	4917/1143
Instrument	2020027141

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2035

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$987,709 (+0.41%) Land $444,318 Building $543,391	$987,709 (+0.41%) Land $444,318 Building $543,391
2025	$18,622.00 (+6.31%) Homeowner's exemption	$983,685 (+2.84%)	$983,685 (-19.89%) Land $444,318 Building $539,367
2024	$17,517.00 (+0.33%)
2023	$17,460.00 (+4.26%) Homeowner's exemption	$956,538 (+4.53%)	$1,227,894 (+34.18%) Land $444,318 Building $783,576
2022	$16,746.00 Homeowner's exemption	$915,115	$915,115 Land $362,516 Building $552,599

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
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, 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 153 locations within half a mile, as of December 31, 2025

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.

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