45 Otero Pt, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 45 Otero Pt, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,280 sqft · built 2017
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$638,000 (Jul 2024)
Tax Bill	$10,515 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072153-3730`

Property Details

APN / Parcel Number

Primary APN	`072153-3730`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,280 sqft Living Area
Gross Area	2,950 sqft
1st Floor Area	2,280 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	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45 OTERO PT
City	SAINT AUGUSTINE
State	FL
Zip	32095-7484
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	81/28-35 PALENCIA NORTH PHASE III B LOT 373 OR5977/1831
Legal Range	29E
Legal Township	05S
Legal Section	28
Legal Subdivision	PALENCIA NORTH PHASE III B
Legal Phase	3
Legal Block	3
Legal Lot Number	373
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	20606

Owner

Source: St. Johns County records, as of June 24, 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 Record
Mailing Address	45 OTERO PT, SAINT AUGUSTINE, FL 32095-7484
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jul 30, 2021	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 28, 2019	Warranty Deed, Transfer VANGUARD TITLE AND ESCROW LLC, VANGUARD TITLE & ESCROW LLC
May 10, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNIVERSAL AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2024 · Amount on Record
Deed Sale	Jul 1, 2024 · Amount on Record
Prior Sale	Jul 30, 2021 · Amount on Record
Deed Document Number	202451656
Deed Book / Page	5977 / 1831
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	45 OTERO PT, SAINT AUGUSTINE, FL 32095-7484
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 OTERO PT, SAINT AUGUSTINE, FL 32095-7484

Mortgage

Document Number	0056331495
Date	Sep 14, 2022
Book Page	5633/1495
Instrument	2022087887

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Aug 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 30, 2021
Property Address	45 OTERO PT, SAINT AUGUSTINE, FL 32095-7484
Document Number	0053310016
Book / Page	5331 / 16
Map Reference	MB 81 PG 28-35
Instrument Date	Jul 30, 2021
Instrument	2021084365
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4016 COLES POINT WAY, GLEN ALLEN, VA 23060-7247

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 OTERO PT, ST AUGUSTINE, FL 32095-7484

Mortgage

Document Number	0000533118
Date	Jul 30, 2021
Instrument	5331/18

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 28, 2019
Property Address	45 OTERO PT, SAINT AUGUSTINE, FL 32095-7484
Document Number	0046861561
Book / Page	004686 / 001561
Instrument Date	Feb 27, 2019
Instrument	13732
Transaction Type	Transfer
Record Updated	Mar 12, 2019
Title Company	VANGUARD TITLE AND ESCROW LLC, VANGUARD TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$2,299.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	45 OTERO PT ST AUGUSTINE FL 320957484, ST AUGUSTINE, FL 32095-7484

May 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 10, 2017
Property Address	45 OTERO PT, SAINT AUGUSTINE, FL 32095-7484
Document Number	0043720352
Book / Page	4372 / 0352
Map Reference	MB81 PG28
Instrument Date	May 8, 2017
Instrument	2017032584
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,099.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 OTERO PT, SAINT AUGUSTINE, FL 32095-7484

Mortgage

Document Number	2017032585
Date	May 10, 2017
Instrument	2017032585

Lender

Name	UNIVERSAL AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$499,360 (+1.35%) Land $115,000 Building $384,360	$499,360 (+1.35%) Land $115,000 Building $384,360
2025	$10,515.00 (+27.87%)	$492,704 (+21.57%)	$492,704 (+2.61%) Land $115,000 Building $377,704
2024	$8,223.00 (+4.75%) Homeowner's exemption	$405,283 (+3%)	$480,170 (-0.77%) Land $115,000 Building $365,170
2023	$7,850.00 (+1.64%) Homeowner's exemption	$393,479 (+3%)	$483,896 (+22.84%) Land $115,000 Building $368,896
2022	$7,723.00 Homeowner's exemption	$382,018	$393,910 Land $78,400 Building $315,510

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 221 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 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 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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