4482 N Francis Rd, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 4482 N Francis Rd, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,818 sqft · built 2003
Lot Size	5.2 acres (226,512 sqft)
Owner	Individual Name on Record
Last Sale	$571,000 (Feb 2022)
Tax Bill	$5,224 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029050-0060`

Property Details

APN / Parcel Number

Primary APN	`029050-0060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,818 sqft Living Area
Gross Area	2,517 sqft
1st Floor Area	1,818 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	226,512 sqft (5.2 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	596 sqft
Patio Area	239 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4482 N FRANCIS RD
City	SAINT AUGUSTINE
State	FL
Zip	32095-8821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	1-6 PART OF GRANTS TO EDWARD ASHTON LYING E OF RD I-95 OR5492/1427 & 5743/847(Q/C)
Legal Range	28E
Legal Township	06S
Legal Section	39
Legal Subdivision	DAVIS SHORE OCEAN VIEW SECTION
Legal Lot Number	1-6
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1009
Census Tract	20904

Owner

Source: St. Johns County records, as of June 12, 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	4482 N FRANCIS RD, SAINT AUGUSTINE, FL 32095-8821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Line of Credit VYSTAR CREDIT UNION
Apr 20, 2023	Intrafamily Transfer, Transfer
Feb 14, 2022	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2022 · Amount on Record
Deed Sale	Feb 14, 2022 · Amount on Record
Prior Sale	Mar 8, 2001 · Amount on Record
Deed Document Number	202216276
Deed Book / Page	5492 / 1427
Last Transfer Date	Jan 5, 2023
Transfer Doc	0057430847
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Jun 2, 2026
Property Address	4482 N FRANCIS RD, SAINT AUGUSTINE, FL 32095-8821
Document Number	0000046682
Book / Page	6374 / 1384
Instrument Date	May 26, 2026
Instrument	202646682
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4482 N FRANCIS RD, SAINT AUGUSTINE, FL 32095-8821

Mortgage

Document Number	0000046682,
Date	Jun 2, 2026
Book Page	6374/1384
Instrument	202646682

Lender

Name	VYSTAR CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate Type	Balloon
Rate	6.3%
Initial Type	Balloon
Max Rate	-1%

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Apr 20, 2023
Property Address	4482 N FRANCIS RD, SAINT AUGUSTINE, FL 32095-8821
Document Number	0057430847
Book / Page	5743 / 847
Instrument Date	Jan 5, 2023
Instrument	2023029806
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2649 S PONTE VEDRA BLVD, PONTE VEDRA BEACH, FL 32082-4525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4482 N FRANCIS RD, SAINT AUGUSTINE, FL 32095-8821

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 14, 2022
Property Address	4482 N FRANCIS RD, SAINT AUGUSTINE, FL 32095-8821
Document Number	0054921427
Book / Page	5492 / 1427
Instrument Date	Feb 14, 2022
Instrument	2022016276
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	STATE JOHNS TITLE LLC, ST JOHNS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,997.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	885 CROSSWATER PKWY APT 105, 105, PONTE VEDRA, FL 32081-4422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4482 N FRANCIS RD, SAINT AUGUSTINE, FL 32095-8821

Mortgage

Document Number	0054921429
Date	Feb 14, 2022
Instrument	5492/1429

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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		$422,210 (+5.06%) Land $192,550 Building $229,660	$422,210 (+5.06%) Land $192,550 Building $229,660
2025	$5,224.00 (-22.31%) Homeowner's exemption	$401,864 (-13.12%)	$401,864 (-13.12%) Land $192,550 Building $209,314
2024	$6,724.00 (+9.78%)
2023	$6,125.00 (+203.52%)	$462,549 (+159.04%)	$462,549 (+34.68%) Land $228,800 Building $233,749
2022	$2,018.00 Homeowner's exemption	$178,560	$343,442 Land $165,984 Building $177,458

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 97 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	97 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

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

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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