380 Valverde Ln, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 380 Valverde Ln, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,277 sqft · built 2005
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$486,000 (Sep 2019)
Tax Bill	$334 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`284201-0220`

Property Details

APN / Parcel Number

Primary APN	`284201-0220`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	3,277 sqft Living Area
Gross Area	4,018 sqft
1st Floor Area	2,733 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Attached
Garage Area	741 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	338 sqft
Porch	Finished/Open Porch
Porch Area	855 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	380 VALVERDE LN
City	SAINT AUGUSTINE
State	FL
Zip	32086-8888
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	22/24-48 ST AUGUSTINE SHORES UNIT 7 BLK 201 LOT 22 OR4803/597
Legal Range	30E
Legal Township	08S
Legal Section	41
Legal Subdivision	ST. AUGUSTINE SHORES UNIT 7
Legal Block	201
Legal Lot Number	22
Legal Unit	7
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	2
Census Block	2017
Census Tract	21211

Owner

Source: St. Johns County records, as of October 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	380 VALVERDE LN, SAINT AUGUSTINE, FL 32086-8888
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Jan 19, 2021	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Sep 27, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2019 · Amount on Record
Deed Sale	Sep 27, 2019 · Amount on Record
Prior Sale	Jun 26, 2017 · Amount on Record
Deed Document Number	201972080
Deed Book / Page	4803 / 597
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Sep 22, 2026
Property Address	380 VALVERDE LN, SAINT AUGUSTINE, FL 32086-8888
Document Number	0000080749
Book / Page	6440 / 1582
Instrument Date	Sep 14, 2026
Instrument	202680749
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	380 VALVERDE LN, SAINT AUGUSTINE, FL 32086-8888

Mortgage

Document Number	0000080749,
Date	Sep 22, 2026
Book Page	6440/1582
Instrument	202680749

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	380 VALVERDE LN, SAINT AUGUSTINE, FL 32086-8888
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	GIBRAITAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	380 VALVERDE LN, SAINT AUGUSTINE, FL 32086-8888

Mortgage

Document Number	0051541645
Date	Jan 19, 2021
Book Page	5154/1645
Instrument	2021006092

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 27, 2019
Property Address	380 VALVERDE LN, SAINT AUGUSTINE, FL 32086-8888
Document Number	0048030597
Book / Page	004803 / 000597
Instrument Date	Sep 27, 2019
Instrument	72080
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,402.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	380 VALVERDE LN ST AUGUSTINE FL 320868888, ST AUGUSTINE, FL 32086-8888

Mortgage

Document Number	48030599
Date	Sep 27, 2019
Book Page	004803/000599
Instrument	72081

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

Tax Assessment & Valuation

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		$464,385 (+2.7%)	$608,073 (-3.79%) Land $120,000 Building $488,073
2025	$334.00 (+31.5%) Disabled Person's exemption Veteran's exemption	$452,176 (+2.9%)	$632,054 (+2.1%) Land $120,000 Building $512,054
2024	$254.00 Disabled Person's exemption Veteran's exemption	$439,432 (+3%)	$619,033 (+6.26%) Land $120,000 Building $499,033
2023	$254.00 (+7.63%) Disabled Person's exemption Veteran's exemption	$426,633 (+3%)	$582,563 (+7.8%) Land $120,000 Building $462,563
2022	$236.00 Disabled Person's exemption Veteran's exemption	$414,207	$540,398 Land $90,720 Building $449,678

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 109 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	109 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

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

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T.

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