4330 Palm St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 4330 Palm St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,232 sqft · built 2003
Lot Size	0.23 acres (10,018 sqft)
Owner	Individual Name on File
Last Sale	$615,000 (Jan 2021)
Tax Bill	$7,296 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`145420-0130`

Property Details

APN / Parcel Number

Primary APN	`145420-0130`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	3,232 sqft Living Area
Gross Area	4,160 sqft
1st Floor Area	1,961 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
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	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Finished Screened Porch
Porch Area	266 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4330 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 13 & 15 BLK 3 OR5160/1565
Legal Range	30E
Legal Township	06S
Legal Section	29
Legal Subdivision	NORTH BEACH
Legal Block	3
Legal Lot Number	13,15
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	4330 PALM ST, SAINT AUGUSTINE, FL 32084-7303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Warranty Deed, Transfer · Conventional Mortgage EMM LOANS LLC
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CU/FL
Sep 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CU/FL

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 25, 2021 · Amount on Record
Deed Sale	Jan 25, 2021 · Amount on Record
Prior Sale	Oct 14, 2003 · Amount on Record
Deed Document Number	20218583
Deed Book / Page	5160 / 1565
Prior Transfer Date	May 25, 2007
Prior Transfer Doc	0029840881
Record Updated	Sep 20, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 25, 2021
Property Address	4330 PALM ST, SAINT AUGUSTINE, FL 32084-7303
Document Number	0051601565
Book / Page	5160 / 1565
Map Reference	MB 3 PG 29
Instrument Date	Jan 25, 2021
Instrument	2021008583
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,305.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	139 CONVEX LN, 139, SAINT AUGUSTINE, FL 32095-7504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4330 PALM ST, ST AUGUSTINE, FL 32084-7303

Mortgage

Document Number	0051601571
Date	Jan 25, 2021
Book Page	5160/1571
Instrument	2021008585

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	4330 PALM ST, SAINT AUGUSTINE, FL 32084-7303
Document Number	0049581058
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4330 PALM ST ST AUGUSTINE FL 320847303, ST AUGUSTINE, FL 32084-7303

Mortgage

Document Number	0049581058
Date	Jun 5, 2020
Book Page	004958/001058
Instrument	43710

Lender

Name	COMMUNITY FIRST CU/FL
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	4330 PALM ST, SAINT AUGUSTINE, FL 32084-7303
Document Number	0044330588
Book / Page	004433 / 000588
Instrument Date	Sep 1, 2017
Transaction Type	Mortgage
Record Updated	Oct 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4330 PALM ST ST AUGUSTINE FL 320847303, ST AUGUSTINE, FL 32084-7303

Mortgage

Document Number	0044330588
Date	Sep 7, 2017
Book Page	004433/000588
Instrument	62084

Lender

Name	COMMUNITY FIRST CU/FL
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 6, 2032

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		$568,542 (+2.7%)	$706,509 (-2.52%) Land $320,000 Building $386,509
2025	$7,296.00 (+11.64%) Homeowner's exemption	$553,595 (+5.99%)	$724,749 (+0.26%) Land $290,000 Building $434,749
2024	$6,535.00 (+1.92%)
2023	$6,412.00 (+2.59%) Homeowner's exemption	$522,323 (+3%)	$722,870 (+25.07%) Land $290,000 Building $432,870
2022	$6,250.00 Homeowner's exemption	$507,110	$577,967 Land $257,600 Building $320,367

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
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 at the parcel

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 USA, Verizon.

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