4320 Palm St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 4320 Palm St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,299 sqft · built 2004
Lot Size	0.23 acres (10,018 sqft)
Owner	Individual Name on File
Last Sale	$874,900 (Jun 2023)
Tax Bill	$10,010 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145420-0140`

Property Details

APN / Parcel Number

Primary APN	`145420-0140`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	3,299 sqft Living Area
Gross Area	4,003 sqft
1st Floor Area	2,017 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2011
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4320 PALM ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-7303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	3-28 PACETTI SUB NORTH BCH LOTS 14 & 16 BLK 3 OR5778/1767
Legal Range	30E
Legal Township	06S
Legal Section	29
Legal Subdivision	NORTH BEACH
Legal Block	3
Legal Lot Number	14,16
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1010
Census Tract	20604

Owner

Source: St. Johns County assessment roll, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	4320 PALM ST, SAINT AUGUSTINE, FL 32084-7303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC
May 14, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 21, 2023 · Amount on Record
Deed Sale	Jun 21, 2023 · Amount on Record
Prior Sale	May 14, 2021 · Amount on Record
Deed Document Number	202348127
Deed Book / Page	5778 / 1767
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 21, 2023
Property Address	4320 PALM ST, SAINT AUGUSTINE, FL 32084-7303
Document Number	0057781767
Book / Page	5778 / 1767
Map Reference	MB 3 PG 28
Instrument Date	Jun 9, 2023
Instrument	2023048127
Transaction Type	Transfer
Record Updated	Jul 4, 2023
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,124.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 GENOA RD, SAINT AUGUSTINE, FL 32084-2945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4320 PALM ST, SAINT AUGUSTINE, FL 32084-7303

Mortgage

Document Number	0057781770
Date	Jun 21, 2023
Instrument	5778/1770

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	4320 PALM ST, SAINT AUGUSTINE, FL 32084-7303
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4320 PALM ST, SAINT AUGUSTINE, FL 32084-7303

Mortgage

Document Number	0054930344
Date	Feb 15, 2022
Book Page	5493/344
Instrument	2022016564

Lender

Name	CELEBRITY HOME LOANS LLC
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 14, 2021
Property Address	4320 PALM ST, SAINT AUGUSTINE, FL 32084-7303
Document Number	0052651285
Book / Page	5265 / 1285
Map Reference	MB 3 PG 28
Instrument Date	May 6, 2021
Instrument	2021054615
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$4,655.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12289 ROCKLEDGE CIR, 12289, BOCA RATON, FL 33428-4811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4320 PALM ST, SAINT AUGUSTINE, FL 32084-7303

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$738,990 (-2.02%) Land $320,000 Building $418,990	$738,990 (-2.02%) Land $320,000 Building $418,990
2025	$10,010.00 (+10.15%) Homeowner's exemption	$754,226 (+21.53%)	$754,226 (+1.18%) Land $290,000 Building $464,226
2024	$9,088.00 (+18.55%)
2023	$7,666.00 (+2.53%) Homeowner's exemption	$620,614 (+3%)	$745,419 (+23.71%) Land $290,000 Building $455,419
2022	$7,477.00 Homeowner's exemption	$602,538	$602,538 Land $257,600 Building $344,938

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 397 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	685 units insured incl. 288 condo units
Nearby Flood Claims	25 (2016–2025)
Claims Outside the SFHA	3 of 25
Most Recent Claim	Aug 2025 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 5 claims Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 14 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 System	SJCU-NORTH BEACH UTILITIES public/private · serves 4,200 people · EPA ID FL2550812
Water Source	Groundwater
Last State Inspection	Jun 2025
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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