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42 Water St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 42 Water St, Saint Augustine, FL 32084 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,187 sqft · built 1890
Lot Size0.16 acres (6,969 sqft)
OwnerIndividual Name on File
Last Sale$530,000 (Apr 2018)
Tax Bill$8,971 (2025)
Deeds & MortgagesMay 2020 Mortgage
Apr 2018 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN195610-0080

Property Details

APN / Parcel Number

Primary APN195610-0080

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures12 Plumbing Fixtures
Stories2 Stories
Building Area2,187 sqft Living Area
1st Floor Area1,035 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 2000
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,969 sqft (0.16 acres)
Lot Dimensions160 ft deep x 48 ft wide
PorchFinished/Open Porch
Porch Area296 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address42 WATER ST
CitySAINT AUGUSTINE
StateFL
Zip32084-2887
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionABBOTT TRACT CITY LOT 8 (EX W 14FT) BLK J OR2408/1575 & OR4534/1367
Legal Range30E
Legal Township07S
Legal Section18
Legal SubdivisionABBOTT TRACT
Legal BlockJ
Legal Lot Number8
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2006
Census Tract20200

Owner

Source: St. Johns County records · APN 195610-0080

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 RecordIndividual Name on File
Mailing Address42 WATER ST, SAINT AUGUSTINE, FL 32084-2887
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

DateDocument
May 04, 2020Deed of Trust, Mortgage · Conventional Mortgage
SWBC MORTGAGE CORP
Apr 20, 2018Warranty Deed, Transfer · Conventional Mortgage
SWBC MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 20, 2018 · Amount on Record
Deed SaleApr 20, 2018 · Amount on Record
Prior SaleApr 06, 2005 · Amount on Record
Deed Document Number201826833
Deed Book / Page4534 / 1367
Prior Transfer DateJun 26, 2007
Prior Transfer Doc0029571128
Record UpdatedSep 20, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address42 WATER ST, SAINT AUGUSTINE, FL 32084-2887
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyBOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0049351963
DateMay 04, 2020
Book Page4935/1963
Instrument2020034272
Lender
NameSWBC MORTGAGE CORP
TypeMortgage Company
AddressSAN ANTONIO, TX 78216
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2050

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateApr 20, 2018
Property Address42 WATER ST, SAINT AUGUSTINE, FL 32084-2887
Document Number0045341367
Book / Page4534 / 1367
Instrument DateApr 20, 2018
Instrument2018026833
Transaction TypeTransfer
Record UpdatedAug 31, 2021
Title CompanyESTATE TITLE OF ST AUGUSTINE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3736 HARBOR DR, 3736, SAINT AUGUSTINE, FL 32084-7743

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address11 MYRTLE AVE, SAINT AUGUSTINE, FL 32084-2829

Mortgage

Document Number2018026834
DateApr 20, 2018
Instrument2018026834
Lender
NameSWBC MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
MunicipalitySt. Augustine City
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$505,882 (+2.7%)$738,798 (+1.06%) Land $274,560 Building $464,238
2025$8,971.00 (+7.75%) Homeowner's exemption$492,582 (+5.99%)$731,031 (+6.79%) Land $274,560 Building $456,471
2024$8,326.00 (+2.39%)
2023$8,132.00 (+8.02%) Homeowner's exemption$464,757 (+7.59%)$684,543 (+22.33%) Land $250,800 Building $433,743
2022$7,528.00 Homeowner's exemption$431,968$559,577 Land $251,328 Building $308,249

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090202002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 351 individual NFIP policies nearby
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies359 units insured
8 under condo master policies
Nearby Flood Claims217 (1979–2024)
Claims Outside the SFHA9 of 217
Most Recent ClaimSep 2024, other causes
Claims By Storm
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Irma, Sep 2017 · 53 claims
  • Hurricane Matthew, Oct 2016 · 110 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the Abbott Tract Historic District (Additional Documentation)
listed 1983 · 122 contributing resources · NRIS 83001438

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 317 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20

May also be available at this address: T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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