3809 N Trapani Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 3809 N Trapani Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,902 sqft · built 2011
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$289,900 (Apr 2017)
Tax Bill	$3,568 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`028685-4810`

Property Details

APN / Parcel Number

Primary APN	`028685-4810`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,902 sqft Living Area
Gross Area	3,773 sqft
1st Floor Area	2,342 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	292 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3809 N TRAPANI DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3493
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	57/94-109 MURABELLA UNIT 3 LOT 481 OR4357/1548
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	MURABELLA UNIT 3
Legal Block	1
Legal Lot Number	481
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1010
Census Tract	20906

Owner

Source: St. Johns County records, 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 Record
Mailing Address	3809 N TRAPANI DR, SAINT AUGUSTINE, FL 32092-3493
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Apr 11, 2017	Warranty Deed, Transfer · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2017 · Amount on Record
Deed Sale	Apr 11, 2017 · Amount on Record
Prior Sale	May 13, 2013 · Amount on Record
Deed Document Number	201725212
Deed Book / Page	4357 / 1548
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3809 N TRAPANI DR, SAINT AUGUSTINE, FL 32092-3493
Transaction Type	Mortgage
Record Updated	Jun 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3809 N TRAPANI DR, SAINT AUGUSTINE, FL 32092-3493

Mortgage

Document Number	0057720806
Date	Jun 9, 2023
Book Page	5772/806
Instrument	2023044606

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3809 N TRAPANI DR, SAINT AUGUSTINE, FL 32092-3493
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051310672
Date	Dec 21, 2020
Book Page	5131/672
Instrument	2020116848

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3809 N TRAPANI DR, SAINT AUGUSTINE, FL 32092-3493
Document Number	0048491042
Instrument Date	Dec 9, 2019
Transaction Type	Mortgage
Record Updated	Dec 30, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3809 N TRAPANI DR ST AUGUSTINE FL 320923493, ST AUGUSTINE, FL 32092-3493

Mortgage

Document Number	0048491042
Date	Dec 13, 2019
Book Page	004849/001042
Instrument	93838

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 12, 2039

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 11, 2017
Property Address	3809 N TRAPANI DR, SAINT AUGUSTINE, FL 32092-3493
Document Number	0043571548
Book / Page	004357 / 001548
Instrument Date	Apr 3, 2017
Instrument	25212
Transaction Type	Transfer
Record Updated	Apr 27, 2017
Title Company	OLDE TOWNE TITLE AND GUARANTY LLC, OLDE TOWNE TITLE & GNTY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,029.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3809 N TRAPANI DR ST AUGUSTINE FL 320923493, ST AUGUSTINE, FL 32092-3493

Mortgage

Document Number	43571550
Date	Apr 11, 2017
Book Page	004357/001550
Instrument	25213

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2047

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		$351,769 (+2.7%)	$486,246 (-2.77%) Land $110,000 Building $376,246
2025	$3,568.00 (+5.06%) Disabled Person's exemption Veteran's exemption	$342,521 (+2.9%)	$500,096 (-2.92%) Land $110,000 Building $390,096
2024	$3,396.00 (+5.66%) Disabled Person's exemption Veteran's exemption	$332,868 (+3%)	$515,129 (-0.4%) Land $105,000 Building $410,129
2023	$3,214.00 (-51.5%) Disabled Person's exemption Veteran's exemption	$323,173 (+3%)	$517,203 (+10.24%) Land $89,600 Building $427,603
2022	$6,627.00 Homeowner's exemption	$313,760	$469,165 Land $89,600 Building $379,565

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 62 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach

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-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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