434 Casuarina Cir, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 434 Casuarina Cir, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,447 sqft · built 1980
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Apr 2004)
Tax Bill	$3,817 (2025)
Deeds & Mortgages	Aug 2026 Reverse Mortgage Aug 2026 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`284116-0630`

Property Details

APN / Parcel Number

Primary APN	`284116-0630`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,447 sqft Living Area
Gross Area	1,759 sqft
1st Floor Area	1,447 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	100 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	368 sqft
Deck Area	312 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	434 CASUARINA CIR
City	SAINT AUGUSTINE
State	FL
Zip	32086-7116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	13-33 34 35 ST AUG SHORES UT 4 LOT 63 BLK 116 OR2177/445 & 3701/476 &3818/1434(Q/C) & 3992/1440(Q/C)
Legal Range	30E
Legal Township	08S
Legal Section	39
Legal Subdivision	ST. AUGUSTINE SHORES UNIT 4
Legal Block	116
Legal Lot Number	63
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	1
Census Block	1008
Census Tract	21211

Owner

Source: St. Johns County records, as of September 9, 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 Record
Mailing Address	434 CASUARINA CIR, SAINT AUGUSTINE, FL 32086-7116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER
Aug 26, 2026	Deed of Trust, Mortgage · Reverse Mortgage GUARANTEED RATE
Feb 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Apr 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2004 · Amount on Record
Deed Sale	Apr 15, 2004 · Amount on Record
Deed Document Number	200427340
Deed Book / Page	2177 / 445
Last Transfer Date	Feb 13, 2015
Transfer Doc	0039921440
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Aug 26, 2026
Property Address	434 CASUARINA CIR, SAINT AUGUSTINE, FL 32086-7116
Document Number	0000073492
Book / Page	6426 / 1916
Instrument Date	Jun 25, 2026
Instrument	202673492
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 CASUARINA CIR, SAINT AUGUSTINE, FL 32086-7116

Mortgage

Document Number	0000073492,
Date	Aug 26, 2026
Book Page	6426/1916
Instrument	202673492

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	999 Months
Due	Jan 27, 2111

Interest

Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Aug 26, 2026
Property Address	434 CASUARINA CIR, SAINT AUGUSTINE, FL 32086-7116
Document Number	0000073491
Book / Page	6426 / 1898
Instrument Date	Jun 25, 2026
Instrument	202673491
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 CASUARINA CIR, SAINT AUGUSTINE, FL 32086-7116

Mortgage

Document Number	0000073491,
Date	Aug 26, 2026
Book Page	6426/1898
Instrument	202673491

Lender

Name	GUARANTEED RATE

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	999 Months
Due	Jan 27, 2111

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	434 CASUARINA CIR, SAINT AUGUSTINE, FL 32086-7116
Document Number	0048971885
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 CRANBERRY XING EAST FALMOUTH MA 025365255, EAST FALMOUTH, MA 02536-5255

Mortgage

Document Number	0048971885
Date	Mar 6, 2020
Book Page	004897/001885
Instrument	18537

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	434 CASUARINA CIR, SAINT AUGUSTINE, FL 32086-7116
Document Number	0045331732
Instrument Date	Apr 17, 2018
Transaction Type	Mortgage
Record Updated	May 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CRANBERRY XING EAST FALMOUTH MA 025365255, EAST FALMOUTH, MA 02536-5255

Mortgage

Document Number	0045331732
Date	Apr 19, 2018
Book Page	004533/001732
Instrument	26422

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2048

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		$261,422 (-4.28%) Land $82,439 Building $178,983	$261,422 (-4.28%) Land $82,439 Building $178,983
2025	$3,817.00 (+15.28%) Additional exemption filed	$273,113 (+3.6%)	$273,113 (+3.6%) Land $77,805 Building $195,308
2024	$3,311.00 (+4.75%)
2023	$3,161.00 (+6.9%)	$263,631 (+5.56%)	$263,631 (+5.56%) Land $77,805 Building $185,826
2022	$2,957.00	$249,740	$249,740 Land $50,348 Building $199,392

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 84 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 in force
Nearby Flood Claims	6 (2016–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 2 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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