455 McCullough St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 455 McCullough St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 800 sqft · built 2020
Lot Size	0.11 acres (4,791 sqft)
Owner	Individual Name on Record
Last Sale	$27,900 (Oct 2019)
Tax Bill	$2,260 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`084530-0000`

Property Details

APN / Parcel Number

Primary APN	`084530-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,791 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Finished/Open Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	455 MCCULLOUGH ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-1915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	3-135 MC CULLOUGH ADDN PONCE DE LEON HGTS ALL LOT 10 BLK E OR4817/1949
Legal Range	29E
Legal Township	07S
Legal Section	02
Legal Subdivision	MCCULLOUGH ADDITION PONCE DE LEON HEIGHT
Legal Block	E
Legal Lot Number	10
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3015
Census Tract	20903

Owner

Source: St. Johns County records, as of April 13, 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	465 MCCULLOUGH ST, SAINT AUGUSTINE, FL 32084-1915
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BK
Jan 17, 2020	Deed of Trust, Construction Loan · Construction Mortgage RICHARD W ASH
Oct 23, 2019	Warranty Deed, Transfer LAND TITLE/AMERICA INC
Sep 19, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2019 · Amount on Record
Deed Sale	Oct 23, 2019 · Amount on Record
Prior Sale	Aug 14, 2003 · Amount on Record
Deed Document Number	201978965
Deed Book / Page	4817 / 1949
Prior Transfer Date	Sep 27, 2016
Prior Transfer Doc	0044351665
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	455 MCCULLOUGH ST, SAINT AUGUSTINE, FL 32084-1915
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 E RED HOUSE BRANCH RD, SAINT AUGUSTINE, FL 32084-6503

Mortgage

Document Number	0050401662
Date	Sep 14, 2020
Book Page	5040/1662
Instrument	2020077887

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	455 MCCULLOUGH ST, SAINT AUGUSTINE, FL 32084-1915
Document Number	0050401641
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 E RED HOUSE BRANCH RD ST AUGUSTINE FL 320846503, ST AUGUSTINE, FL 32084-6503

Mortgage

Document Number	0050401641
Date	Sep 14, 2020
Book Page	005040/001641
Instrument	77883

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2050

January 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Jan 17, 2020
Property Address	455 MCCULLOUGH ST, SAINT AUGUSTINE, FL 32084-1915
Document Number	0048671242
Book / Page	004867 / 001242
Instrument Date	Jan 17, 2020
Instrument	4102
Transaction Type	Construction Loan
Record Updated	Feb 3, 2020
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 840 ST AUGUSTINE FL 320850840, ST AUGUSTINE, FL 32085-0840

Mortgage

Document Number	48671242
Date	Jan 17, 2020
Book Page	004867/001242
Instrument	4102

Lender

Name	RICHARD W ASH
Address	PO BOX 23149, WACO, TX 76702-3149

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 16, 2021

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 23, 2019
Property Address	455 MCCULLOUGH ST, SAINT AUGUSTINE, FL 32084-1915
Document Number	0048171949
Book / Page	004817 / 001949
Instrument Date	Oct 18, 2019
Instrument	78965
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	LAND TITLE/AMERICA INC

Transaction

Amount	Amount Recorded
Tax	$195.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 MCCULLOUGH ST ST AUGUSTINE FL 32084, ST AUGUSTINE, FL 32084

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 19, 2017
Property Address	455 MCCULLOUGH ST, SAINT AUGUSTINE, FL 32084-1915
Document Number	0044351665
Book / Page	004435 / 001665
Instrument Date	Sep 27, 2016
Instrument	63566
Transaction Type	Transfer
Record Updated	Oct 5, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	643 S 77TH ST MESA AZ 852086453, MESA, AZ 85208-6453

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		$146,156 (-4.83%)	$167,668 (+9.17%) Land $34,125 Building $133,543
2025	$2,260.00 (+7.21%)	$153,578 (-16.45%)	$153,578 (-16.45%) Land $34,125 Building $119,453
2024	$2,108.00 (+2.63%)
2023	$2,054.00 (+25.02%)	$183,807 (+50.23%)	$183,807 (+50.23%) Land $29,575 Building $154,232
2022	$1,643.00	$122,352	$122,352 Land $20,384 Building $101,968

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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	0.02% 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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 279 locations within half a mile, as of December 31, 2025

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

May also be available: IQ Fiber.

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