3840 Palm St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 3840 Palm St, Saint Augustine, FL 32084 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2.5 Baths
Year Built	Built 2004
Square Footage	2,224 sqft Living Area
Lot Size	13,503 sqft (0.31 acres)
Garage	Attached, 484 sqft
Occupancy	Owner Occupied
Tax Bill	$334.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`146158-0110`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Plumbing Fixtures	12 Plumbing Fixtures
Building Area	2,224 sqft Living Area
Gross Area	2,860 sqft Gross Area
1st Floor	1,612 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Exterior Material	Concrete Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	13,503 sqft (0.31 acres)
Lot Width	134 ft Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	484 sqft Garage
Pool Area	450 sqft Pool
Deck Area	16 sqft Deck
Porch Area	202 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	3840 PALM ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-9049
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	3-28 PACETTI SUB NORTH BEACH W34FT LOT 11 & ALL LOTS 13 & 15 BLK 98 OR1380/1329 &1395/1118(C/D)
Legal Range	30E
Legal Township	06S
Legal Section	44
Legal Subdivision	NORTH BEACH
Legal Block	98
Legal Lot Number	11-15
Jurisdiction	ST JOHNS FL
Minor Civil Division	ST. AUGUSTINE
Census Blockgroup	2
Census Block	2052
Census Tract	20603

Owner

Source: St. Johns County records · APN 146158-0110

Assessment roll updated April 13, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3840 PALM ST, SAINT AUGUSTINE, FL 32084-9049
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Refreshed	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3840 PALM ST, SAINT AUGUSTINE, FL 32084-9049
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 PALM ST, SAINT AUGUSTINE, FL 32084-9049

Mortgage

Document Number	0052230286
Date	Mar 31, 2021
Book Page	5223/286
Instrument	2021035217

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$342,385 (+2.7%)	$922,142 (+5.89%) Land $428,800 Building $493,342
2025	$334.00 (+31.5%) Disabled Person's exemption Veteran's exemption	$333,384 (+5.99%)	$870,854 (+18.5%) Land $388,600 Building $482,254
2024	$254.00
2023	$254.00 (+7.63%) Disabled Person's exemption Veteran's exemption	$314,551 (+3%)	$734,906 (+15.48%) Land $388,600 Building $346,306
2022	$236.00 Disabled Person's exemption Veteran's exemption	$305,389	$636,370 Land $345,184 Building $291,186

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	6.0 ft
Coastal	Yes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.