St. Johns County property record for 40 Charlotte St, Saint Augustine, FL 32084
| Property Type | Restaurant |
|---|---|
| Details | 2,572 sqft · built 1995 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Company Name on File |
| Tax Bill | $16,281 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Dec 2020 Construction Loan |
| Flood Zone | Zone AE (high risk) |
| APN | 196700-0000 |
| Primary APN | 196700-0000 |
|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
|---|---|
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,572 sqft Gross Area |
| 1st Floor Area | 705 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Steel Frame/Truss |
| Roof Material | Wood Shingle |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 100 ft deep x 20 ft wide |
| Porch | Porch |
| Porch Area | 298 sqft |
| Canopy | 322 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 40 CHARLOTTE ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-3646 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Legal Description | CITY OF ST AUG LOT 9 BLK 8 OR1404/863 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 18 |
| Legal Subdivision | CITY OF ST AUGUSTINE |
| Legal Block | 8 |
| Legal Lot Number | 9 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 20500 |
Source: St. Johns County records · APN 196700-0000
Assessment roll updated April 13, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 142 KING ST, A, SAINT AUGUSTINE, FL 32084-4326 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Aug 15, 2023 | Deed of Trust, Mortgage CITY OF ST AUGUSTINE |
| Dec 21, 2020 | Deed of Trust, Construction Loan · Construction Mortgage CITY OF ST AUGUSTINE FLORIDA |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 40 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-3646 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 44 AVENIDA MENENDEZ, SAINT AUGUSTINE, FL 32084-3645 |
| Document Number | 0058091818 |
|---|---|
| Date | Aug 15, 2023 |
| Book Page | 5809/1818 |
| Instrument | 2023064603 |
| Name | CITY OF ST AUGUSTINE |
|---|---|
| Type | Government Agency |
| Address | SAINT AUGUSTINE, FL 32085 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 21, 2020 |
| Property Address | 40 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-3646 |
| Document Number | 0051310339 |
| Book / Page | 005131 / 000339 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 116759 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 08, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 44 AVENIDA MENENDEZ ST AUGUSTINE FL 320843645, ST AUGUSTINE, FL 32084-3645 |
| Document Number | 51310339 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 005131/000339 |
| Instrument | 116759 |
| Name | CITY OF ST AUGUSTINE FLORIDA |
|---|---|
| Address | PO BOX 210, ST AUGUSTINE, FL 32085-0210 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 20, 2021 |
| Rate | 3.39% |
|---|
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Municipality | St. Augustine City |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $756,926 (-29.41%) | $1,202,276 (+12.12%) Land $648,780 Building $553,496 | |
| 2025 | $16,281.00 (+17.93%) | $1,072,347 (+26.54%) | $1,072,347 (+26.54%) Land $589,800 Building $482,547 |
| 2024 | $13,806.00 (+10.7%) | ||
| 2023 | $12,472.00 (+23.14%) Additional exemption filed | $847,456 (+57.69%) | $847,456 (+57.69%) Land $589,800 Building $257,656 |
| 2022 | $10,128.00 Additional exemption filed | $537,426 | $537,426 Land $314,560 Building $222,866 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 435 individual policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 579 units insured incl. 144 condo units |
| Nearby Flood Claims | 542 (1988–2024) |
| Claims Outside the SFHA | 9 of 542 |
| Most Recent Claim | Sep 2024 · tidal / storm surge |
| Claims by Event |
|
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the St. Augustine Town Plan Historic District listed 1970 · 223 contributing resources · National Historic Landmark (designated 1970) · NRIS 70000847 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 193 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. AUGUSTINE WS serves 43,069 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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