446 McCullough St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 446 McCullough St, Saint Augustine, FL 32084 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,366 sqft · built 2017
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (Jun 2016)
Tax Bill	$2,181 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084480-0010`

Property Details

APN / Parcel Number

Primary APN	`084480-0010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,366 sqft Living Area
Gross Area	1,618 sqft
1st Floor Area	1,366 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Lot Dimensions	103 ft deep x 57.5 ft wide
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	446 MCCULLOUGH ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-1916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3-135 MC CULLOUGH ADDN PONCE DE LEON HGTS E 1/2 LOTS 15 & 16 BLK D OR4380/258 & 6024/702(L/E)
Legal Range	29E
Legal Township	07S
Legal Section	02
Legal Subdivision	MC CULLOUGH ADD
Legal Block	D
Legal Lot Number	15,16
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3016
Census Tract	20903

Owner

Source: St. Johns County records · APN 084480-0010

Assessment roll updated April 13, 2026 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	446 MCCULLOUGH ST, SAINT AUGUSTINE, FL 32084-1916
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 01, 2016 · Amount on Record
Deed Sale	Jun 01, 2016 · Amount on Record
Deed Book / Page	4203 / 105
Last Transfer Date	Sep 18, 2024
Transfer Doc	0060240702
Record Updated	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	446 MCCULLOUGH ST, SAINT AUGUSTINE, FL 32084-1916
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 MCCULLOUGH ST, SAINT AUGUSTINE, FL 32084-1916

Mortgage

Document Number	0052670354
Date	May 17, 2021
Book Page	5267/354
Instrument	2021055402

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$180,131 (+2.7%)	$251,172 (+6.29%) Land $40,106 Building $211,066
2025	$2,181.00 (+14.61%) Homeowner's exemption	$175,395 (+5.99%)	$236,313 (-19.52%) Land $40,106 Building $196,207
2024	$1,903.00 (+2.2%)
2023	$1,862.00 (+3.73%) Homeowner's exemption	$165,487 (+3%)	$293,623 (+49.18%) Land $34,759 Building $258,864
2022	$1,795.00 Homeowner's exemption	$160,667	$196,823 Land $23,957 Building $172,866

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 18 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force 17 of 18 on primary residences
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017, tidal / storm surge, Hurricane Irma

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.