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432 Saint Johns Golf Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 432 Saint Johns Golf Dr, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,249 sqft · built 2002
Lot Size0.22 acres (9,583 sqft)
OwnerIndividual Name on File
Last Sale$465,000 (Feb 2020)
Tax Bill$7,908 (2025)
Deeds & MortgagesOct 2021 Mortgage
Feb 2020 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN026432-0880

Property Details

APN / Parcel Number

Primary APN026432-0880

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures16 Plumbing Fixtures
Stories2 Stories
Building Area3,249 sqft Living Area
Gross Area4,005 sqft
1st Floor Area1,924 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialStucco
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.22 acres)
Garage TypeAttached
Garage Area536 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area450 sqft
PorchFinished Screened Porch
Porch Area312 sqft
Deck AreaDeck Area
Patio Area815 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address432 SAINT JOHNS GOLF DR
CitySAINT AUGUSTINE
StateFL
Zip32092-1080
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal Description42/35-42 ST JOHNS GOLF & COUNTRY CLUB UNIT 2 PHASE 1 LOT 88 OR4886/1658
Legal Range28E
Legal Township05S
Legal Section29
Legal SubdivisionST. JOHNS GOLF & COUNTRY CLUB UNIT 2 PHA
Legal Phase1
Legal Block2
Legal Lot Number88
Legal Unit2
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2005
Census Tract20908

Owner

432 Saint Johns Golf Dr is owned and occupied by an individual who bought it in February 2020.

Source: St. Johns County records, as of June 17, 2026

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

Owner of RecordIndividual Name on File
Mailing Address432 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1080
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 21, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Feb 21, 2020Warranty Deed, Transfer · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Feb 6, 2020Warranty Deed, Transfer
OPENDOOR TITLE LLC
Jan 11, 2018Deed of Trust, Mortgage · Conventional Mortgage
VYSTAR CU
Jan 11, 2018Deed of Trust, Mortgage · Conventional Mortgage
VYSTAR CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 21, 2020 · Amount on File
Deed SaleFeb 21, 2020 · Amount on File
Prior SaleFeb 6, 2020 · Amount on File
Deed Document Number202013633
Deed Book / Page4886 / 1658
Record UpdatedOct 29, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address432 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1080
Transaction TypeMortgage
Record UpdatedAug 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address432 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1080

Mortgage

Document Number0053991527
DateOct 21, 2021
Book Page5399/1527
Instrument2021114807
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2051

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 21, 2020
Property Address432 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1080
Document Number0048861658
Book / Page4886 / 1658
Map ReferenceMB 42 PG 35-42
Instrument DateFeb 19, 2020
Instrument2020013633
Transaction TypeTransfer
Record UpdatedAug 2, 2022
Title CompanyOPENDOOR TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,255.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1 POST ST FL 11, 1, SAN FRANCISCO, CA 94104-5215

Transferred To (Grantee/Buyer)

NameVerified Name
Address432 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1080

Mortgage

Document Number0048861660
DateFeb 21, 2020
Instrument4886/1660
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2050

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 6, 2020
Property Address432 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1080
Document Number0048781135
Book / Page004878 / 001135
Instrument DateJan 14, 2020
Instrument9507
Transaction TypeTransfer
Record UpdatedFeb 25, 2020
Title CompanyOPENDOOR TITLE LLC

Transaction

AmountAmount on Record
Tax$3,016.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCorporate Trust
Address1 POST ST #11 SAN FRANCISCO CA 941045215, 11, SAN FRANCISCO, CA 94104-5215
InvestorPossibly a Property Investor

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address432 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1080
Document Number0044911950
Instrument DateJan 11, 2018
Transaction TypeMortgage
Record UpdatedJan 24, 2018
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address432 SAINT JOHNS GOLF DR ST AUGUSTINE FL 320921080, ST AUGUSTINE, FL 32092-1080

Mortgage

Document Number0044911950
DateJan 18, 2018
Book Page004491/001950
Instrument3861
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32232-5085
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 17, 2048
Interest
Rate TypeAdjustable Rate
Rate3.5%

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address432 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1080
Document Number0044920001
Instrument DateJan 11, 2018
Transaction TypeMortgage
Record UpdatedNov 20, 2018
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address432 SAINT JOHNS GOLF DR ST AUGUSTINE FL 320921080, ST AUGUSTINE, FL 32092-1080

Mortgage

Document Number0044920001
DateJan 18, 2018
Book Page004492/000001
Instrument3867
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32232-5085
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueJan 17, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 432 Saint Johns Golf Dr was $7,908 with a homeowner's exemption, up 9.1% 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$431,569 (+2.7%)$643,975 (-2.22%) Land $154,000 Building $489,975
2025$7,908.00 (+9.14%) Homeowner's exemption$420,223 (+2.9%)$658,603 (+10.34%) Land $154,000 Building $504,603
2024$7,246.00 (+2.32%) Homeowner's exemption$408,380 (+3%)$596,889 (+3.77%) Land $145,000 Building $451,889
2023$7,082.00 (+4.7%) Homeowner's exemption$396,485 (+3%)$575,198 (+12.65%) Land $145,000 Building $430,198
2022$6,764.00 Homeowner's exemption$384,937$510,594 Land $123,200 Building $387,394

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

Flood

FEMA maps place 432 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 103 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies103 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

Wildfire risk around 432 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.08% 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 SystemJEA MAJOR GRID
serves 826,664 people · EPA ID FL2161328
Water SourceGroundwater
Last State InspectionFeb 2026
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 201 locations within half a mile, as of December 31, 2025

ProviderMax 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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