St. Johns County property record for 431 Saint Johns Golf Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,267 sqft · built 2002 |
| Lot Size | 0.33 acres (14,374 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Dec 2012) |
| Tax Bill | $6,256 (2025) |
| Deeds & Mortgages | Aug 2022 Second Mortgage Apr 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026432-0030 |
| Primary APN | 026432-0030 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,267 sqft Living Area |
| Gross Area | 3,960 sqft |
| 1st Floor Area | 1,452 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,374 sqft (0.33 acres) |
| Garage Type | Attached |
| Garage Area | 693 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 392 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 234 sqft |
| Deck Area | Deck Area |
| Patio Area | 632 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 431 SAINT JOHNS GOLF DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-1083 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 42/35-42 ST JOHNS GOLF & COUNTRY CLUB UNIT 2 PHASE 1 LOT 3 OR3661/996 & 4928/1279(A/F) |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 29 |
| Legal Subdivision | ST. JOHNS GOLF & COUNTRY CLUB UNIT 2 PHA |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Legal Unit | 2 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 20908 |
431 Saint Johns Golf Dr is owned and occupied by two individuals who bought it in December 2012.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1083 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 23, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Apr 17, 2020 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Apr 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2012 · Amount on File |
| Deed Sale | Dec 21, 2012 · Amount on File |
| Prior Sale | Mar 28, 2012 · Amount on File |
| Deed Document Number | 201276186 |
| Deed Book / Page | 3661 / 996 |
| Prior Transfer Date | Oct 18, 2012 |
| Prior Transfer Doc | 0036610994 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 431 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1083 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 431 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1083 |
| Document Number | 0056210204 |
|---|---|
| Date | Aug 23, 2022 |
| Book Page | 5621/204 |
| Instrument | 2022081325 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 431 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1083 |
| Document Number | 0049281270 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 431 SAINT JOHNS GOLF DR ST AUGUSTINE FL 320921083, ST AUGUSTINE, FL 32092-1083 |
| Document Number | 0049281270 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 004928/001270 |
| Instrument | 31489 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 22, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 431 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1083 |
| Document Number | 0045361742 |
| Instrument Date | Apr 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 431 SAINT JOHNS GOLF DR ST AUGUSTINE FL 320921083, ST AUGUSTINE, FL 32092-1083 |
| Document Number | 0045361742 |
|---|---|
| Date | Apr 25, 2018 |
| Book Page | 004536/001742 |
| Instrument | 27948 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 24, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
The 2025 property tax bill for 431 Saint Johns Golf Dr was $6,256 with a homeowner's exemption, up 8.8% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $305,564 (+2.7%) | $644,254 (-2.03%) Land $154,000 Building $490,254 | |
| 2025 | $6,256.00 (+8.8%) Homeowner's exemption | $297,531 (+2.9%) | $657,573 (+16.87%) Land $154,000 Building $503,573 |
| 2024 | $5,750.00 (+2.44%) Homeowner's exemption | $289,146 (+3%) | $562,677 (+4.29%) Land $145,000 Building $417,677 |
| 2023 | $5,613.00 (+5.39%) Homeowner's exemption | $280,724 (+3%) | $539,535 (+8.51%) Land $145,000 Building $394,535 |
| 2022 | $5,326.00 Homeowner's exemption | $272,548 | $497,205 Land $123,200 Building $374,005 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Saint Johns Golf Dr in Zone X, an area of minimal flood risk.
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 File median of 103 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 103 in force |
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 risk around 431 Saint Johns Golf Dr is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 201 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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