3981 Vaill Point Ter, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 3981 Vaill Point Ter, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,987 sqft · built 1975
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Sep 2022)
Tax Bill	$5,756 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`184834-0290`

Property Details

APN / Parcel Number

Primary APN	`184834-0290`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,987 sqft Living Area
Gross Area	2,515 sqft
1st Floor Area	1,987 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2005
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	47,916 sqft (1.1 acres)
Lot Dimensions	250 ft deep x 180 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Patio Area	325 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3981 VAILL POINT TER
City	SAINT AUGUSTINE
State	FL
Zip	32086-7185
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF FALANY GRANT LYING W OF VAILL POINT TERRACE UNIT 2 LOTS 29 & 30 OF BURTONS UNREC PLAT OR5640/663
Legal Range	30
Legal Township	08
Legal Section	48
Legal Subdivision	BURTONS UNPLATTED
Legal Block	1
Legal Lot Number	29,30
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 May 5, 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	3981 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CREDIT UNION
Feb 28, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU
Sep 27, 2022	Warranty Deed, Transfer · Seller Carry-Back VYSTAR CU
Feb 1, 2022	Warranty Deed, Transfer LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2022 · Amount on Record
Deed Sale	Sep 27, 2022 · Amount on Record
Prior Sale	Feb 1, 2022 · Amount on Record
Deed Document Number	202291520
Deed Book / Page	5640 / 663
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Apr 22, 2026
Property Address	3981 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185
Document Number	0000034475
Book / Page	6349 / 677
Instrument Date	Apr 17, 2026
Instrument	202634475
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034475,
Date	Apr 22, 2026
Book Page	6349/677
Instrument	202634475

Lender

Name	VYSTAR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3981 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3981 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185

Mortgage

Document Number	0059061221
Date	Feb 28, 2024
Book Page	5906/1221
Instrument	2024014753

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 27, 2022
Property Address	3981 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185
Document Number	0056400663
Book / Page	5640 / 663
Instrument Date	Sep 26, 2022
Instrument	2022091520
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2493 US HIGHWAY 1 S, 2493, ST AUGUSTINE, FL 32086-6077

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	279 PINE LN, ST AUGUSTINE, FL 32086-5839

Mortgage

Document Number	0005640665
Date	Sep 27, 2022
Instrument	5640/665

Lender

Name	VYSTAR CU
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 1, 2022
Property Address	3981 VAILL POINT TER, SAINT AUGUSTINE, FL 32086-7185
Document Number	0054820938
Book / Page	5482 / 938
Instrument Date	Jan 26, 2022
Instrument	2022011330
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC

Transaction

Amount	Amount Recorded
Tax	$2,119.60
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3981 VAILL POINT TER, 3981, SAINT AUGUSTINE, FL 32086-7185

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2493 US HIGHWAY 1 S, ST AUGUSTINE, FL 32086-6077

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		$497,383 (+12.69%)	$520,029 (+8.76%) Land $294,000 Building $226,029
2025	$5,756.00 (+12.03%) Homeowner's exemption	$441,366 (+5.01%)	$478,141 (+13.76%) Land $294,000 Building $184,141
2024	$5,138.00 (-8.07%)
2023	$5,589.00 (+113.16%)	$420,304 (+85.73%)	$420,304 (+32.24%) Land $222,000 Building $198,304
2022	$2,622.00 Homeowner's exemption Widower's exemption	$226,302	$317,840 Land $140,000 Building $177,840

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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