3960 A1A S, Unit 520, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 3960 A1A S, Unit 520, Saint Augustine, FL 32080

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,296 sqft · built 1980
Lot Size	0.02 acres (871 sqft)
Owner	Individual Name on Record
Last Sale	$249,000 (Feb 2021)
Tax Bill	$4,840 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`174491-0520`

Property Details

APN / Parcel Number

Primary APN	`174491-0520`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	871 sqft (0.02 acres)

Location & Zoning

Street Address	3960 A1A S, 520
City	SAINT AUGUSTINE
State	FL
Zip	32080-4722
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	14/49 50 ST AUG BCH & TENNIS CLUB TOWNHOUSES TRACT 5 PARCEL 520 OR5170/189
Legal Range	30E
Legal Township	08S
Legal Section	10
Legal Subdivision	ST. AUGUSTINE BEACH & TENNIS CLUB TOWNHO
Legal Tract	5
Legal Block	2
Legal Lot Number	520
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2001
Census Tract	21410

Owner

Source: St. Johns County records, as of June 17, 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	393 ORMOND ST SE, ATLANTA, GA 30315-2053
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2021 · Amount on Record
Deed Sale	Feb 3, 2021 · Amount on Record
Prior Sale	Jul 3, 2002 · Amount on Record
Deed Document Number	202112549
Deed Book / Page	5170 / 189
Record Updated	Sep 20, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 3, 2021
Property Address	3960 A1A S UNIT 520, 520, SAINT AUGUSTINE, FL 32080-4722
Document Number	0051700189
Book / Page	5170 / 189
Map Reference	MB 14 PG 49&50
Instrument Date	Feb 2, 2021
Instrument	2021012549
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	393 ORMOND ST SE, ATLANTA, GA 30315-2053

Mortgage

Document Number	5170191
Date	Feb 3, 2021
Instrument	5170/191

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Municipality	St. Augustine Beach City
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$293,000 (-) Land $39,000 Building $254,000	$293,000 (-) Land $39,000 Building $254,000
2025	$4,840.00 (+7.72%)	$293,000 (-9.45%)	$293,000 (-9.45%) Land $39,000 Building $254,000
2024	$4,493.00 (+6.22%)
2023	$4,230.00 (+20.41%)	$323,580 (+45.6%)	$323,580 (+45.6%) Land $39,000 Building $284,580
2022	$3,513.00	$222,240	$222,240 Land $30,240 Building $192,000

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 294 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	954 units insured incl. 660 condo units
Nearby Flood Claims	5 (2016–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.03% 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-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 291 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
AT&T Fiber · Fixed Wireless · DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20