St. Johns County property record for 3520 Kings Rd S, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,083 sqft · built 1998 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,411 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 136805-1280 |
| Primary APN | 136805-1280 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,083 sqft Living Area |
| Gross Area | 3,052 sqft |
| 1st Floor Area | 2,083 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 709 sqft |
| Patio Area | 159 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3520 KINGS RD S |
|---|---|
| City | ST AUGUSTINE |
| State | FL |
| Zip | 32086-5079 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 25/45-57 OAKBROOK SUBD LOT 128 OR1136/76 |
| Legal Range | 29E |
| Legal Township | 08S |
| Legal Section | 01 |
| Legal Subdivision | OAKBROOK |
| Legal Block | 3 |
| Legal Lot Number | 128 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 21301 |
3520 Kings Rd S 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 | 3520 KINGS RD S, SAINT AUGUSTINE, FL 32086-5079 |
| 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.
| Date | Document |
|---|---|
| Jul 13, 2021 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Aug 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 3520 KINGS RD S, SAINT AUGUSTINE, FL 32086-5079 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3520 KINGS RD S, SAINT AUGUSTINE, FL 32086-5079 |
| Document Number | 0053160619 |
|---|---|
| Date | Jul 13, 2021 |
| Book Page | 5316/619 |
| Instrument | 2021077485 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 3520 KINGS RD S, SAINT AUGUSTINE, FL 32086-5079 |
| Document Number | 0044190314 |
| Book / Page | 004419 / 000314 |
| Instrument Date | Aug 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3520 KINGS RD S ST AUGUSTINE FL 320865079, ST AUGUSTINE, FL 32086-5079 |
| Document Number | 0044190314 |
|---|---|
| Date | Aug 10, 2017 |
| Book Page | 004419/000314 |
| Instrument | 55403 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 9, 2032 |
The 2025 property tax bill for 3520 Kings Rd S was $3,411 with a homeowner's exemption, up 13.1% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $274,470 (+2.7%) | $480,985 (-4.64%) Land $164,000 Building $316,985 | |
| 2025 | $3,411.00 (+13.1%) Homeowner's exemption | $267,254 (+2.9%) | $504,386 (+1.83%) Land $133,000 Building $371,386 |
| 2024 | $3,016.00 (+2.06%) Homeowner's exemption | $259,722 (+3%) | $495,313 (+6.35%) Land $133,000 Building $362,313 |
| 2023 | $2,955.00 (+3.11%) Homeowner's exemption | $252,157 (+3%) | $465,734 (+8.38%) Land $142,000 Building $323,734 |
| 2022 | $2,866.00 Homeowner's exemption | $244,813 | $429,719 Land $118,720 Building $310,999 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3520 Kings Rd S in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 46 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 46 in force |
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 risk around 3520 Kings Rd S is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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