404 Central St, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 404 Central St, Saint Augustine, FL 32095 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3.5 Baths
Year Built	Built 2005
Square Footage	2,558 sqft Living Area
Lot Size	4,791 sqft (0.11 acres)
Occupancy	Owner Occupied
Last Sale	$395,000 (2007)
Tax Bill	$6,522.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`072078-3020`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Plumbing Fixtures	16 Plumbing Fixtures
Building Area	2,558 sqft Living Area
Gross Area	3,038 sqft Gross Area
1st Floor	1,104 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	4,791 sqft (0.11 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	480 sqft Garage
Patio Area	534 sqft Patio
Porch Area	300 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	404 CENTRAL ST
City	SAINT AUGUSTINE
State	FL
Zip	32095-6824
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	51/19-20 MARSHALL CREEK DRI VILLAGE CENTER UNIT 3 LOT 2 OR2949/1432 & 6014/61
Legal Range	29E
Legal Township	05S
Legal Section	53
Legal Subdivision	MARSHALL CREEK DRI VILLAGE CENTER UNIT 3
Legal Block	4
Legal Lot Number	2
Legal Unit	3
Jurisdiction	ST JOHNS FL
Minor Civil Division	ST. AUGUSTINE
Census Blockgroup	4
Census Block	4035
Census Tract	20606

Owner

Source: St. Johns County records · APN 072078-3020

Assessment roll updated April 13, 2026 · Last verified June 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 File
Mailing Address	404 CENTRAL ST, SAINT AUGUSTINE, FL 32095-6824
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 12, 2007 · Amount on Record
Deed Sale	Jul 12, 2007 · Amount on Record
Deed Doc Number	200747540
Deed Book / Page	2949 / 1432
Last Transfer Date	Aug 16, 2024
Transfer Doc	0060140061
Record Refreshed	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	404 CENTRAL ST, SAINT AUGUSTINE, FL 32095-6824
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CENTRAL ST, SAINT AUGUSTINE, FL 32095-6824

Mortgage

Document Number	0051971031
Date	Mar 04, 2021
Book Page	5197/1031
Instrument	2021024282

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 01, 2036

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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

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		$244,822 (+2.7%)	$520,518 (+1.83%) Land $110,000 Building $410,518
2025	$6,522.00 (+7.39%) Homeowner's exemption	$238,386 (+2.9%)	$511,141 (+5.26%) Land $100,000 Building $411,141
2024	$6,073.00 (+4.08%) Homeowner's exemption	$231,668 (+3%)	$485,591 (+5.04%) Land $100,000 Building $385,591
2023	$5,835.00 (+1.35%) Homeowner's exemption	$224,920 (+3%)	$462,295 (-6.08%) Land $90,000 Building $372,295
2022	$5,757.00 Homeowner's exemption	$218,369	$492,220 Land $70,000 Building $422,220

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 7% of Florida
Wildfire Likelihood	About 1 in 4,762 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.