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3940 Palm St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 3940 Palm St, Saint Augustine, FL 32084 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1996
Square Footage1,954 sqft Living Area
Lot Size20,037 sqft (0.46 acres)
GarageAttached, 529 sqft
Last Sale$920,000 (2023)
Tax Bill$12,103.00 (2025)

Property Details

APN / Parcel Number

Primary APN146006-0130

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Building Area1,954 sqft Living Area
Gross Area2,483 sqft Gross Area
1st Floor1,590 sqft 1st Floor
Stories1 Stories
Primary FlooringStone Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1996
Exterior MaterialConcrete Exterior
Construction TypeWood Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area20,037 sqft (0.46 acres)
Lot Width200 ft Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area529 sqft Garage
Patio Area160 sqft Patio
Porch Area176 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address3940 PALM ST
CitySAINT AUGUSTINE
StateFL
Zip32084-1579
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description3-28 PACETTI SUB NO BEACH BLK 80 LOTS 13 14 15 & 16 OR5730/1499
Legal Range30E
Legal Township06S
Legal Section44
Legal SubdivisionNORTH BEACH
Legal Block80
Legal Lot Number13
JurisdictionST JOHNS FL
Minor Civil DivisionST. AUGUSTINE
Census Blockgroup2
Census Block2048
Census Tract20603

Owner

Source: St. Johns County records · APN 146006-0130

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 RecordCompany Name on File
Mailing Address11732 BEACH BLVD, JACKSONVILLE, FL 32246-6608
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Mar 01, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
NEW DAY FINANCIAL LLC
Apr 11, 2022Deed of Trust, Mortgage · Veterans Administration Mortgage
NEW DAY FINANCIAL LLC
Mar 28, 2023Warranty Deed, Transfer
RIVER CITY LAND TITLE LLC, RIVER CITY TITLE LLC
Feb 08, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
TIAA FSB
Jan 24, 2017Deed of Trust, Mortgage · Conventional Mortgage
NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 28, 2023 · Amount on Record
Deed SaleMar 28, 2023 · Amount on Record
Prior SaleFeb 08, 2019 · Amount on Record
Deed Doc Number202323009
Deed Book / Page5730 / 1499
Record RefreshedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address3940 PALM ST, SAINT AUGUSTINE, FL 32084-1579
Transaction TypeMortgage
Record UpdatedMay 23, 2023
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address3940 PALM ST, SAINT AUGUSTINE, FL 32084-1579
InvestorPossibly a Property Investor

Mortgage

Document Number0051920322
DateMar 01, 2021
Book Page5192/322
Instrument2021022194
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
AddressFULTON, MD 20759
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2051

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address3940 PALM ST, SAINT AUGUSTINE, FL 32084-1579
Transaction TypeMortgage
Record UpdatedMay 23, 2023
Title CompanyNOT AVAILABLE, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3940 PALM ST, SAINT AUGUSTINE, FL 32084-1579

Mortgage

Document Number0055350045
DateApr 11, 2022
Book Page5535/45
Instrument2022037388
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
AddressFULTON, MD 20759
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2052

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateMar 28, 2023
Property Address3940 PALM ST, SAINT AUGUSTINE, FL 32084-1579
Document Number0057301499
Book / Page5730 / 1499
Map ReferenceMB 3 PG 28
Instrument DateMar 27, 2023
Instrument2023023009
Transaction TypeTransfer
Record UpdatedMay 23, 2023
Title CompanyRIVER CITY LAND TITLE LLC, RIVER CITY TITLE LLC

Transaction

AmountAmount Recorded
Tax$6,440.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address13698 BROMLEY POINT DR, JACKSONVILLE, FL 32225-2635

Transferred To (Grantee/Buyer)

NameVerified Name
Address11732 BEACH BLVD, JACKSONVILLE, FL 32246-6608

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 08, 2019
Property Address3940 PALM ST, SAINT AUGUSTINE, FL 32084-1579
Document Number0046780723
Book / Page004678 / 000723
Instrument DateFeb 01, 2019
Instrument9215
Transaction TypeTransfer
Record UpdatedMar 04, 2019
Title CompanySUNSET CAPITAL TITLE SERVICES, SUNSET CAP TITLE SVCS

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,220.00
Amount AccuracyConfirmed
Additional
  • Lis Pendens
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3940 PALM ST ST AUGUSTINE FL 320841579, ST AUGUSTINE, FL 32084-1579

Mortgage

Document Number46780725
DateFeb 08, 2019
Book Page004678/000725
Instrument9216
Lender
NameTIAA FSB
AddressJACKSONVILLE, FL 32246
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 07, 2049

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address3940 PALM ST, SAINT AUGUSTINE, FL 32084-1579
Document Number0043240967
Book / Page004324 / 000967
Instrument DateJan 24, 2017
Transaction TypeMortgage
Record UpdatedFeb 10, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address345 SMITH CHAPEL RD TULLAHOMA TN 373888822, TULLAHOMA, TN 37388-8822

Mortgage

Document Number0043240967
DateJan 31, 2017
Book Page004324/000967
Instrument7284
Lender
NameNATIONAL BK/COMMERCE
TypeBank
AddressBIRMINGHAM, AL 35223
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 30, 2047
Interest
Rate TypeAdjustable Rate
Rate3.95%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$947,631 (+8.9%) Land $640,000 Building $307,631$947,631 (+8.9%) Land $640,000 Building $307,631
2025$12,103.00 (+8.95%)$870,154 (+58.97%)$870,154 (+4.24%) Land $580,000 Building $290,154
2024$11,109.00 (+65.02%)
2023$6,732.00 (+2.58%) Homeowner's exemption$547,381 (+3%)$834,768 (+12.64%) Land $580,000 Building $254,768
2022$6,563.00 Homeowner's exemption$531,438$741,113 Land $515,200 Building $225,913

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 ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation6.0 ft
CoastalYes

Wildfire

Wildfire RiskLow
above 3% of the US · above 3% of Florida
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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

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