3900 Vaill Point Ter, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 3900 Vaill Point Ter, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,220 sqft · built 1968
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (May 2017)
Tax Bill	$3,488 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`184820-0000`

Property Details

APN / Parcel Number

Primary APN	`184820-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,220 sqft Living Area
Gross Area	2,572 sqft
1st Floor Area	2,220 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1998
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Lot Dimensions	174 ft deep x 260 ft wide
Garage Type	Carport
Garage Area	500 sqft
Carport	Carport
Carport Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	520 sqft
Porch	Finished Screened Porch
Porch Area	520 sqft
Deck Area	Deck Area
Patio Area	424 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3900 VAILL POINT TER
City	SAINT AUGUSTINE
State	FL
Zip	32086-7184
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	7-2 PT OF FALANY GRANT LYING S OF CO RD 174 X 261.4 (EX PT IN OR4034/888) - IN NE COR OR4376/313
Legal Range	30E
Legal Township	08S
Legal Section	48
Legal Subdivision	F FALANY GRANT
Legal Lot Number	7-2
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	1
Census Block	1018
Census Tract	21211

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	3900 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7184
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 24, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Mar 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CU/FL
May 19, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2017 · Amount on Record
Deed Sale	May 19, 2017 · Amount on Record
Prior Sale	May 11, 2015 · Amount on Record
Deed Document Number	201734719
Deed Book / Page	4376 / 313
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3900 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7184
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7184

Mortgage

Document Number	0058431520
Date	Oct 19, 2023
Book Page	5843/1520
Instrument	2023082427

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Jul 1, 2052

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3900 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7184
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7184

Mortgage

Document Number	0055850708
Date	Jun 24, 2022
Book Page	5585/708
Instrument	2022062978

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3900 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7184
Document Number	0047040206
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3900 VAILL POINT TER ST AUGUSTINE FL 320867184, ST AUGUSTINE, FL 32086-7184

Mortgage

Document Number	0047040206
Date	Apr 3, 2019
Book Page	004704/000206
Instrument	22686

Lender

Name	COMMUNITY FIRST CU/FL
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 2, 2029

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 19, 2017
Property Address	3900 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7184
Document Number	0043760313
Book / Page	4376 / 0313
Instrument Date	May 17, 2017
Instrument	2017034719
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LAND TITLE OF AMERICA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 JENKINS ST # 309, 135, SAINT AUGUSTINE, FL 32086-5175

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7184

Mortgage

Document Number	2017034721
Date	May 19, 2017
Instrument	2017034721

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 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		$280,327 (+2.7%)	$558,034 (-0.37%) Land $250,000 Building $308,034
2025	$3,488.00 (+13.06%) Homeowner's exemption	$272,957 (+2.9%)	$560,131 (-0.63%) Land $250,000 Building $310,131
2024	$3,085.00 (+2.05%) Homeowner's exemption	$265,264 (+3%)	$563,686 (+1.08%) Land $250,000 Building $313,686
2023	$3,023.00 (+3.07%) Homeowner's exemption	$257,538 (+3%)	$557,673 (+63.47%) Land $250,000 Building $307,673
2022	$2,933.00 Homeowner's exemption	$250,037	$341,148 Land $140,000 Building $201,148

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 84 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 in force
Nearby Flood Claims	6 (2016–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 2 claims

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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