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3989 Oak Terrace Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 3989 Oak Terrace Rd, Saint Augustine, FL 32086

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,311 sqft · built 2007
Lot Size0.3 acres (13,068 sqft)
OwnerIndividual Name on File
Last Sale$328,500 (Oct 2022)
Tax Bill$3,462 (2025)
Deeds & MortgagesOct 2022 Sale
Oct 2022 Transfer
Flood ZoneZone X (minimal risk)
APN184870-0090

Property Details

APN / Parcel Number

Primary APN184870-0090

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,311 sqft Living Area
Gross Area1,775 sqft
1st Floor Area1,311 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Exterior MaterialStucco
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,068 sqft (0.3 acres)
Lot Dimensions125 ft deep x 45 ft wide
Garage TypeAttached
Garage Area336 sqft
Parking Spaces1 Parking Space
PorchFinished Screened Porch
Porch Area230 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3989 OAK TERRACE RD
CitySAINT AUGUSTINE
StateFL
Zip32086-7001
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRMH
Legal Description11-74 OAK TERRACE LOT 9 OR5650/1049 & 5651/1914(C/D)
Legal Range30E
Legal Township08S
Legal Section48
Legal SubdivisionOAK TERRACE
Legal Block1
Legal Lot Number9
JurisdictionST JOHNS FL
Township / Civil DivisionMATANZAS
Census Block Group1
Census Block1031
Census Tract21211

Owner

3989 Oak Terrace Rd is owned and occupied by an individual who bought it in October 2022.

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

Owner of RecordIndividual Name on File
Mailing Address3989 OAK TERRACE RD, SAINT AUGUSTINE, FL 32086-7001
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 18, 2022Warranty Deed, Transfer
ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS
Oct 20, 2022Correction Deed
ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 18, 2022 · Amount on File
Deed SaleOct 18, 2022 · Amount on File
Prior SaleSep 26, 2016 · Amount on File
Deed Document Number202297142
Deed Book / Page5650 / 1049
Record UpdatedOct 29, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateOct 18, 2022
Property Address3989 OAK TERRACE RD, SAINT AUGUSTINE, FL 32086-7001
Document Number0056501049
Book / Page5650 / 1049
Map ReferenceMB 11 PG 74&75
Instrument DateOct 18, 2022
Instrument2022097142
Transaction TypeTransfer
Record UpdatedMay 23, 2023
Title CompanyACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

AmountAmount on Record
Tax$2,299.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1 BUENA VISTA CT, URBANA, IL 61801-3130

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3989 OAK TERRACE RD, ST AUGUSTINE, FL 32086-7001

October 2022: Correction Deed

Document TypeCorrection Deed
JurisdictionST JOHNS FL
Recording DateOct 20, 2022
Property Address3989 OAK TERRACE RD, SAINT AUGUSTINE, FL 32086-7001
Document Number0056511914
Book / Page5651 / 1914
Map ReferenceMB 11 PG 74&75
Instrument DateOct 18, 2022
Instrument2022097905
Record UpdatedMay 23, 2023
Title CompanyACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address1 BUENA VISTA CT, URBANA, IL 61801-3130

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3989 OAK TERRACE RD, ST AUGUSTINE, FL 32086-7001

Tax Assessment & Valuation

The 2025 property tax bill for 3989 Oak Terrace Rd was $3,462 with a homeowner's exemption, up 9% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$278,311 (+2.7%)$284,024 (+4.81%) Land $100,000 Building $184,024
2025$3,462.00 (+9.01%) Homeowner's exemption$270,994$270,994 Land $100,000 Building $170,994
2024$3,176.00 (-12.96%)
2023$3,649.00 (+39.06%)$267,476 (+30.02%)$267,476 (+30.02%) Land $100,000 Building $167,476
2022$2,624.00$205,720$205,720 Land $50,400 Building $155,320

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3989 Oak Terrace Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 84 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies84 in force
Nearby Flood Claims6 (2016–2022)
Most Recent ClaimSep 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

Wildfire risk around 3989 Oak Terrace Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSJCU-CR214 MAINLAND WTP
serves 66,953 people · EPA ID FL2554447
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 271 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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