46 Atlantic Oaks Cir, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 46 Atlantic Oaks Cir, Saint Augustine, FL 32080

Property Summary

Property Type	Duplex
Details	2,912 sqft · built 1991
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on File
Last Sale	$300,000 (Dec 2020)
Tax Bill	$9,345 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`172402-0150`

Property Details

APN / Parcel Number

Primary APN	`172402-0150`

Interior

Plumbing Fixtures	16 Plumbing Fixtures
Units	2 Units
Stories	2 Stories
Building Area	2,912 sqft Living Area
Gross Area	3,488 sqft
1st Floor Area	1,904 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1995
Exterior Material	Concrete Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Width	85 ft Width
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	224 sqft
Patio Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	46 ATLANTIC OAKS CIR
City	SAINT AUGUSTINE
State	FL
Zip	32080-6875
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	14/39 ATLANTIC OAKS FIRST ADDITION LOT 15 BLK B OR5133/1050
Legal Range	30E
Legal Township	08S
Legal Section	03
Legal Subdivision	ATLANTIC OAKS FIRST ADDITION
Legal Block	B
Legal Lot Number	15
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1035
Census Tract	21410

Owner

46 Atlantic Oaks Cir, a duplex, is owned by a company that bought it in December 2020.

Source: St. Johns County records, as of October 12, 2026

Owner of Record	Company Name on File
Mailing Address	3125 US HIGHWAY 1 S, B, SAINT AUGUSTINE, FL 32086-6367
Owner Type	Company
Vesting	Borrower in Default

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

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Commercial Mortgage LIMA ONE CAPITAL LLC
Dec 23, 2020	Warranty Deed, Transfer NANCY SIKES-KLINE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2020 · Amount on File
Deed Sale	Dec 23, 2020 · Amount on File
Deed Document Number	2020117715
Deed Book / Page	5133 / 1050
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	46 ATLANTIC OAKS CIR, SAINT AUGUSTINE, FL 32080-6875
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 DRAKE RD, SAINT AUGUSTINE, FL 32086-6201

Mortgage

Document Number	0053600088
Date	Sep 2, 2021
Book Page	5360/88
Instrument	2021097288

Lender

Name	LIMA ONE CAPITAL LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 23, 2020
Property Address	46 ATLANTIC OAKS CIR, SAINT AUGUSTINE, FL 32080-6875
Document Number	0051331050
Book / Page	005133 / 001050
Instrument Date	Dec 18, 2020
Instrument	117715
Transaction Type	Transfer
Record Updated	Jan 6, 2021
Title Company	LAND TITLE/AMERICA INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3125 US HIGHWAY 1 S #B ST AUGUSTINE FL 320866367, B, ST AUGUSTINE, FL 32086-6367

Mortgage

Document Number	51331054
Date	Dec 23, 2020
Book Page	005133/001054
Instrument	117717

Lender

Name	NANCY SIKES-KLINE
Address	15 MIRUELA AVE, ST AUGUSTINE, FL 32080-3863

Agreement

Amount	Amount on Record
Term	60 Months
Due	Dec 22, 2025

Interest

Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 46 Atlantic Oaks Cir was $9,345, up 14.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Municipality	St. Augustine Beach City
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$549,799 (-0.95%) Land $205,000 Building $344,799	$549,799 (-0.95%) Land $205,000 Building $344,799
2025	$9,345.00 (+14.56%)	$555,062	$555,062 Land $205,000 Building $350,062
2024	$8,157.00 (+6.31%)
2023	$7,673.00 (+11.98%)	$507,868 (+24.07%)	$507,868 (+24.07%) Land $185,000 Building $322,868
2022	$6,852.00	$409,346	$409,346 Land $145,600 Building $263,746

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

Flood

FEMA maps place 46 Atlantic Oaks Cir in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.

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 File median of 243 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	365 units insured incl. 122 condo units
Nearby Flood Claims	5 (2016–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 2 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 46 Atlantic Oaks Cir is low, with a 0.02% annual chance of 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	Indirect within 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	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 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	6 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 382 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
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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