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45 Palmetto Ave, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 45 Palmetto Ave, Saint Augustine, FL 32080

Property Summary

Property TypeDuplex
Details4 bd · 2 ba · 1,650 sqft · built 1980
Lot Size0.14 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$135,000 (Nov 2019)
Tax Bill$5,022 (2025)
Deeds & MortgagesNov 2019 Sale & Mortgage
Nov 2019 Sale
Flood ZoneZone X (moderate risk)
APN157660-0070

Property Details

APN / Parcel Number

Primary APN157660-0070

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures10 Plumbing Fixtures
Units2 Units
Stories1 Story
Building Area1,650 sqft Living Area
1st Floor Area1,650 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1990
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,098 sqft (0.14 acres)
Lot Dimensions75 ft deep x 86 ft wide
PorchFinished/Open Porch
Porch Area40 sqft
Patio Area81 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address45 PALMETTO AVE
CitySAINT AUGUSTINE
StateFL
Zip32080-4609
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Legal Description1-58 CARVERS SUB ANASTASIA S4FT LOT 7 ALL LOT 8 & N31FT LOT 9 BLK 18 OR4839/1821
Legal Range30E
Legal Township07S
Legal Section58
Legal SubdivisionANASTASIA
Legal Block18
Legal Lot Number7,8,9
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2078
Census Tract20500

Owner

45 Palmetto Ave, a duplex, is owned and occupied by an individual who bought it in November 2019.

Source: St. Johns County records, as of June 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Mailing Address45 PALMETTO AVE, SAINT AUGUSTINE, FL 32080-4609
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 27, 2019Warranty Deed, Transfer · Conventional with PMI
MARIE D FRANTZ
Nov 27, 2019Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 27, 2019 · Amount on File
Deed SaleNov 27, 2019 · Amount on File
Deed Document Number201989397
Deed Book / Page4839 / 1819
Record UpdatedOct 29, 2026

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateNov 27, 2019
Property Address45 PALMETTO AVE, SAINT AUGUSTINE, FL 32080-4609
Document Number0048391819
Book / Page004839 / 001819
Instrument DateNov 15, 2019
Instrument89397
Transaction TypeTransfer
Record UpdatedDec 16, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$945.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 PALMETTO AVE ST AUGUSTINE FL 320804609, ST AUGUSTINE, FL 32080-4609

Mortgage

Document Number48391823
DateNov 27, 2019
Book Page004839/001823
Instrument89399
Lender
NameMARIE D FRANTZ
Address5046 SHORE DR, ST AUGUSTINE, FL 32086-6472
Agreement
TypeConventional with PMI
AmountAmount on Record

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateNov 27, 2019
Property Address45 PALMETTO AVE, SAINT AUGUSTINE, FL 32080-4609
Document Number0048391821
Book / Page004839 / 001821
Instrument DateNov 1, 2019
Instrument89398
Transaction TypeTransfer
Record UpdatedDec 12, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 PALMETTO AVE ST AUGUSTINE FL 320804609, ST AUGUSTINE, FL 32080-4609

Tax Assessment & Valuation

The 2025 property tax bill for 45 Palmetto Ave was $5,022 with a homeowner's exemption, up 8% from the year before.

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
MunicipalitySt. Augustine City
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$300,689 (+2.7%)$494,765 (+3.06%) Land $271,760 Building $223,005
2025$5,022.00 (+8%) Homeowner's exemption$292,784$480,079 Land $271,760 Building $208,319
2024$4,650.00 (+2.58%)
2023$4,533.00 (+3.23%) Homeowner's exemption$276,246 (+3%)$427,398 (+22.68%) Land $271,760 Building $155,638
2022$4,391.00 Homeowner's exemption$268,200$348,376 Land $220,669 Building $127,707

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

Flood

FEMA maps place 45 Palmetto Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 435 individual policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies579 units insured
incl. 144 condo units
Nearby Flood Claims542 (1988–2024)
Claims Outside the SFHA9 of 542
Most Recent ClaimSep 2024 · tidal / storm surge
Claims by Event
  • Hurricane Ian, Sep 2022 · 38 claims
  • Hurricane Irma, Sep 2017 · 137 claims
  • Hurricane Matthew, Oct 2016 · 263 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

Wildfire risk around 45 Palmetto Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemST. AUGUSTINE WS
serves 43,069 people · EPA ID FL2550210
Water SourceGroundwater
Last State InspectionSep 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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 250 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
IQ Fiber
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

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