3928 S Trapani Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 3928 S Trapani Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,904 sqft · built 2011
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$399,500 (Oct 2020)
Tax Bill	$8,289 (2025)
Deeds & Mortgages	May 2022 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`028685-4550`

Property Details

APN / Parcel Number

Primary APN	`028685-4550`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	2,904 sqft Living Area
Gross Area	3,364 sqft
1st Floor Area	1,474 sqft
Flooring	Concrete/Cement
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	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3928 S TRAPANI DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3495
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	57/94-109 MURABELLA UNIT 3 LOT 455 OR5078/23
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	MURABELLA UNIT 3
Legal Block	1
Legal Lot Number	455
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	Individual Name on Record
Mailing Address	3928 S TRAPANI DR, SAINT AUGUSTINE, FL 32092-3495
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Oct 22, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Sep 28, 2017	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2020 · Amount on Record
Deed Sale	Oct 22, 2020 · Amount on Record
Prior Sale	Oct 7, 2011 · Amount on Record
Deed Document Number	202093975
Deed Book / Page	5078 / 23
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3928 S TRAPANI DR, SAINT AUGUSTINE, FL 32092-3495
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3928 S TRAPANI DR, SAINT AUGUSTINE, FL 32092-3495

Mortgage

Document Number	0055641360
Date	May 24, 2022
Book Page	5564/1360
Instrument	2022052561

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 22, 2020
Property Address	3928 S TRAPANI DR, SAINT AUGUSTINE, FL 32092-3495
Document Number	0050780023
Book / Page	5078 / 23
Map Reference	MB 57 PG 109
Instrument Date	Oct 19, 2020
Instrument	2020093975
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,796.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5935 SCOVILLE RD, 5935, ELKTON, FL 32033-3060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 TUSCAN WAY STE 202, 202, SAINT AUGUSTINE, FL 32092-1850

Mortgage

Document Number	507825
Date	Oct 22, 2020
Instrument	5078/25

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3928 S TRAPANI DR, SAINT AUGUSTINE, FL 32092-3495
Document Number	0044470644
Book / Page	004447 / 000644
Instrument Date	Sep 28, 2017
Transaction Type	Mortgage
Record Updated	Nov 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3928 S TRAPANI DR ST AUGUSTINE FL 320923495, ST AUGUSTINE, FL 32092-3495

Mortgage

Document Number	0044470644
Date	Oct 12, 2017
Book Page	004447/000644
Instrument	69317

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 11, 2027

Interest

Rate Type	Adjustable Rate

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		$399,829 (+2.7%)	$439,422 (-2.33%) Land $110,000 Building $329,422
2025	$8,289.00 (+8.42%) Homeowner's exemption	$389,317 (+5.99%)	$449,913 (-3.13%) Land $110,000 Building $339,913
2024	$7,645.00 (+3.63%)
2023	$7,377.00 (+2.82%) Homeowner's exemption	$367,325 (+3%)	$464,443 (-0.14%) Land $89,600 Building $374,843
2022	$7,175.00 Homeowner's exemption	$356,626	$465,083 Land $89,600 Building $375,483

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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