St. Johns County property record for 3831 Palm St, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,064 sqft · built 1998 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,100,000 (Sep 2023) |
| Tax Bill | $12,499 (2025) |
| Deeds & Mortgages | Dec 2023 Sale Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 146157-0020 |
| Primary APN | 146157-0020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,064 sqft Living Area |
| Gross Area | 2,464 sqft |
| 1st Floor Area | 2,064 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 280 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 135 sqft |
| Deck Area | Deck Area |
| Patio Area | 796 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3831 PALM ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-9053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 3-28 PACETTI SUB NORTH BCH E100 OF S100FT OF BLK 97 (BEING LOTS 2 & 4) OR5872/1218 |
| Legal Range | 30E |
| Legal Township | 06S |
| Legal Section | 44 |
| Legal Subdivision | NORTH BEACH |
| Legal Block | 97 |
| Legal Lot Number | 2,4 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2056 |
| Census Tract | 20603 |
Source: St. Johns County records · APN 146157-0020
Assessment roll updated April 13, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 80445 RD 431, MERNA, NE 68856-5592 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Dec 18, 2023 | Warranty Deed, Transfer LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC |
| Sep 15, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 01, 2017 | Deed of Trust, Mortgage · Commercial Mortgage AMERIS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 15, 2023 · Amount on Record |
| Deed Sale | Sep 15, 2023 · Amount on Record |
| Prior Sale | Jun 13, 2014 · Amount on Record |
| Deed Document Number | 202373294 |
| Deed Book / Page | 5826 / 200 |
| Prior Transfer Date | Jul 10, 2008 |
| Prior Transfer Doc | 0031391155 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 18, 2023 |
| Property Address | 3831 PALM ST, SAINT AUGUSTINE, FL 32084-9053 |
| Document Number | 0058721218 |
| Book / Page | 5872 / 1218 |
| Map Reference | MB 3 PG 28 |
| Instrument Date | Dec 15, 2023 |
| Instrument | 2023097701 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2024 |
| Title Company | LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 3, MERNA, NE 68856-0003 |
| Name | Verified Name |
|---|---|
| Address | 80445 RD 431, MERNA, NE 68856-5592 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 15, 2023 |
| Property Address | 3831 PALM ST, SAINT AUGUSTINE, FL 32084-9053 |
| Document Number | 0058260200 |
| Book / Page | 5826 / 200 |
| Map Reference | MB 3 PG 28 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 2023073294 |
| Transaction Type | Transfer |
| Record Updated | Oct 02, 2023 |
| Title Company | LAND TITLE/AMERICA INC, LAND TITLE OF AMERICAN INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 106 WALNUT ST, BLACK MOUNTAIN, NC 28711-2821 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 3, MERNA, NE 68856-0003 |
| Document Number | 0005826202 |
|---|---|
| Date | Sep 15, 2023 |
| Instrument | 5826/202 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 3831 PALM ST, SAINT AUGUSTINE, FL 32084-9053 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0044700101 |
|---|---|
| Date | Dec 01, 2017 |
| Book Page | 4470/0101 |
| Instrument | 2017081218 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | SAINT AUGUSTINE, FL 32084 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Nov 03, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $955,227 (+6.2%) Land $320,000 Building $635,227 | $955,227 (+6.2%) Land $320,000 Building $635,227 | |
| 2025 | $12,499.00 (+9.59%) | $899,438 (+44.01%) | $899,438 (+44.01%) Land $290,000 Building $609,438 |
| 2024 | $11,405.00 (+58.38%) | ||
| 2023 | $7,201.00 (+11.23%) | $624,559 (+14.9%) | $624,559 (+14.9%) Land $290,000 Building $334,559 |
| 2022 | $6,474.00 | $543,569 | $543,569 Land $257,600 Building $285,969 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), as of September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090206032, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 6.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 504 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 648 units insured incl. 144 condo units |
| Nearby Flood Claims | 163 (1999–2023) |
| Claims Outside the SFHA | 7 of 163 |
| Most Recent Claim | Feb 2023 |
| Claims by Event |
|
| 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 |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
Based on FCC filings for 272 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL2550812, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SJCU-NORTH BEACH UTILITIES public/private · serves 4,200 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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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