3961 Vaill Point Ter, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 3961 Vaill Point Ter, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,580 sqft · built 2020
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on Record
Last Sale	$101,750 (Jun 2019)
Tax Bill	$4,926 (2025)
Deeds & Mortgages	Sep 2019 Construction Loan Dec 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`184834-0320`

Property Details

APN / Parcel Number

Primary APN	`184834-0320`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,580 sqft Living Area
Gross Area	3,537 sqft
1st Floor Area	2,580 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	250 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	957 sqft
Parking Spaces	4 Parking Spaces
Porch	Finished/Open Porch
Porch Area	487 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3961 VAILL POINT TER
City	SAINT AUGUSTINE
State	FL
Zip	32086-7185
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	PT OF FALANY GRANT LYING W OF VAILL POINT TERRACE UT 2 LOT 32 BURTONS UNREC PLAT OR4747/102 & 5219/1120 & 5337/1621
Legal Range	30E
Legal Township	08S
Legal Section	48
Legal Subdivision	BURTONS UNPLATTED
Legal Block	1
Legal Lot Number	32
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	1
Census Block	1008
Census Tract	21211

Owner

Source: St. Johns County records, as of October 12, 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	3961 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2019	Deed of Trust, Mortgage · Construction Mortgage TD BANK NA
Dec 13, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Aug 6, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 26, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 25, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2019 · Amount on Record
Deed Sale	Jun 25, 2019 · Amount on Record
Prior Sale	Jun 30, 2016 · Amount on Record
Deed Document Number	201944824
Deed Book / Page	4747 / 102
Last Transfer Date	Jul 15, 2021
Transfer Doc	0053371621
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3961 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ACTION TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047970600
Date	Sep 18, 2019
Book Page	4797/0600
Instrument	2019069232

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3961 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3961 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185

Mortgage

Document Number	0054430082
Date	Dec 13, 2021
Book Page	5443/82
Instrument	2021134324

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 23, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Aug 6, 2021
Property Address	3961 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185
Document Number	0053371621
Book / Page	5337 / 1621
Map Reference	MB 1150 PG 1230
Instrument Date	Jul 15, 2021
Instrument	2021087320
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3961 VAILL POINT TER, ST AUGUSTINE, FL 32086-7185

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Mar 26, 2021
Property Address	3961 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185
Document Number	0052191120
Book / Page	5219 / 1120
Map Reference	MB 713 PG 298
Instrument Date	Mar 12, 2021
Instrument	2021033725
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3961 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 25, 2019
Property Address	3961 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185
Document Number	0047470102
Book / Page	4747 / 0102
Map Reference	MB 1050 PG 1230
Instrument Date	Jun 25, 2019
Instrument	2019044824
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ACTION TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$712.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	380 VALVERDE LN, 380, SAINT AUGUSTINE, FL 32086-8888

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	338 HEFFERON DR, SAINT AUGUSTINE, FL 32084-6511

Mortgage

Document Number	0004747104
Date	Jun 25, 2019
Instrument	4747/104

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Jul 1, 2024

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		$389,939 (+2.7%)	$588,350 (-2.33%) Land $225,000 Building $363,350
2025	$4,926.00 (+12.31%) Homeowner's exemption	$379,687 (+5.99%)	$602,363 (+5.07%) Land $225,000 Building $377,363
2024	$4,386.00 (+1.98%)
2023	$4,301.00 (+2.8%) Homeowner's exemption	$358,239 (+3%)	$573,291 (+22.37%) Land $170,000 Building $403,291
2022	$4,184.00 Homeowner's exemption	$347,805	$468,505 Land $112,000 Building $356,505

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	None beyond 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 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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