St. Johns County property record for 3841 Palm St, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,271 sqft · built 2005 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $435,000 (Nov 2018) |
| Tax Bill | $5,683 (2025) |
| Deeds & Mortgages | May 2021 Line of Credit May 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 146157-0000 |
| Primary APN | 146157-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,271 sqft Living Area |
| Gross Area | 2,959 sqft |
| 1st Floor Area | 2,271 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| 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 | 565 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 225 sqft |
| Patio Area | 18 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3841 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 E100FT OF N1/2 BLK 97 (OR LOTS 1 & 3) OR4638/1621 |
| Legal Range | 30E |
| Legal Township | 06S |
| Legal Section | 44 |
| Legal Subdivision | NORTH BEACH |
| Legal Block | 97 |
| Legal Lot Number | 1,3 |
| 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 146157-0000
Assessment roll updated April 13, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 3841 PALM ST, SAINT AUGUSTINE, FL 32084-9053 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2021 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| May 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Nov 08, 2018 | Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 08, 2018 · Amount on Record |
| Deed Sale | Nov 08, 2018 · Amount on Record |
| Prior Sale | Jul 12, 2012 · Amount on Record |
| Deed Document Number | 201880942 |
| Deed Book / Page | 4638 / 1621 |
| Prior Transfer Date | Nov 03, 2011 |
| Prior Transfer Doc | 0034991078 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 3841 PALM ST, SAINT AUGUSTINE, FL 32084-9053 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 3841 PALM ST, ST AUGUSTINE, FL 32084-9053 |
| Document Number | 0052620968 |
|---|---|
| Date | May 11, 2021 |
| Book Page | 5262/968 |
| Instrument | 2021053114 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | 32262 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 01, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 3841 PALM ST, SAINT AUGUSTINE, FL 32084-9053 |
| Document Number | 0049580300 |
| Instrument Date | May 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3841 PALM ST ST AUGUSTINE FL 320849053, ST AUGUSTINE, FL 32084-9053 |
| Document Number | 0049580300 |
|---|---|
| Date | Jun 05, 2020 |
| Book Page | 004958/000300 |
| Instrument | 43557 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 04, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 08, 2018 |
| Property Address | 3841 PALM ST, SAINT AUGUSTINE, FL 32084-9053 |
| Document Number | 0046381621 |
| Book / Page | 004638 / 001621 |
| Instrument Date | Nov 05, 2018 |
| Instrument | 80942 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,045.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3841 PALM ST ST AUGUSTINE FL 320849053, ST AUGUSTINE, FL 32084-9053 |
| Document Number | 46381622 |
|---|---|
| Date | Nov 08, 2018 |
| Book Page | 004638/001622 |
| Instrument | 80943 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 07, 2048 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $446,021 (+2.7%) | $856,364 (+5.17%) Land $320,000 Building $536,364 | |
| 2025 | $5,683.00 (+12%) Homeowner's exemption | $434,295 (+2.9%) | $814,288 (+1.96%) Land $290,000 Building $524,288 |
| 2024 | $5,074.00 (+1.95%) Homeowner's exemption | $422,055 (+3%) | $798,641 (+8.07%) Land $290,000 Building $508,641 |
| 2023 | $4,977.00 (+2.72%) Homeowner's exemption | $409,762 (+3%) | $739,023 (+15.1%) Land $290,000 Building $449,023 |
| 2022 | $4,845.00 Homeowner's exemption | $397,827 | $642,097 Land $257,600 Building $384,497 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 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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