4600 N Francis Rd, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 4600 N Francis Rd, Saint Augustine, FL 32095

Property Summary

Property Type	Commercial Vacant Land
Details	1,056 sqft · built 1982
Lot Size	5.36 acres (233,481 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (May 2026)
Tax Bill	$334 (2025)
Deeds & Mortgages	May 2026 Sale & Construction Loan May 2026 Sale & Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`027900-0000`

Property Details

APN / Parcel Number

Primary APN	`027900-0000`

Interior

Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	233,481 sqft (5.36 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4600 N FRANCIS RD
City	SAINT AUGUSTINE
State	FL
Zip	32095-8837
Property Category	Commercial
Property Type	Vacant Land > Commercial
Local Zoning Code	OR
Legal Description	1-3 ANTONIO HUERTAS GRANT SUB PT OF SECTION 1 LYING E OF FRANCIS RD 174 X 988 X 298 X 994FT OR4484/122
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	ANTONIO HUERTAS GRANT SUB
Legal Phase	1
Legal Lot Number	1-3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1009
Census Tract	20904

Owner

4600 N Francis Rd, commercial vacant land, is owned by two individuals who bought it in May 2026.

Source: St. Johns County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	68 CATESBY LN, SAINT AUGUSTINE, FL 32095-9013
Owner Type	Individual
Vesting	Married Couple

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
May 29, 2026	Special Warranty Deed, Transfer · Construction Mortgage LANDMARK TITLE
May 29, 2026	Special Warranty Deed, Construction Loan · Construction Mortgage LANDMARK TITLE
Dec 29, 2017	Warranty Deed, Transfer · Conventional Mortgage KOPACH KATHLEEN LIVING TR (PT)
Jul 14, 2017	Quit Claim Deed, Transfer FIRST INT'L TITLE
Mar 22, 2017	Warranty Deed, Transfer FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2026 · Amount on File
Deed Sale	May 29, 2026 · Amount on File
Prior Sale	Dec 29, 2017 · Amount on File
Deed Document Number	202645889
Deed Book / Page	6372 / 1575
Prior Transfer Date	Jun 16, 2017
Prior Transfer Doc	0044040556
Record Updated	Oct 29, 2026

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 29, 2026
Property Address	4600 N FRANCIS RD, SAINT AUGUSTINE, FL 32095-8837
Document Number	0000045889
Book / Page	6372 / 1575
Instrument Date	May 19, 2026
Instrument	202645889
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	LANDMARK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328,755.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 CATESBY LN, SAINT AUGUSTINE, FL 32095-9013

Mortgage

Document Number	0000045890,
Date	May 29, 2026
Instrument	202645890

Lender

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 19, 2027

Interest

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

May 2026: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 29, 2026
Property Address	4600 N FRANCIS RD, SAINT AUGUSTINE, FL 32095-8837
Document Number	0063721575
Book / Page	6372 / 1575
Instrument Date	May 19, 2026
Instrument	202645889
Transaction Type	Construction Loan
Record Updated	Aug 29, 2026
Title Company	LANDMARK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328,755.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 CATESBY LN, SAINT AUGUSTINE, FL 32095-9013

Mortgage

Document Number	0000045890,
Date	May 29, 2026
Instrument	202645890

Lender

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 19, 2027

Interest

Rate Type	Balloon
Initial Type	Balloon
Max Rate	-1%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 29, 2017
Property Address	4600 N FRANCIS RD, SAINT AUGUSTINE, FL 32095-8837
Document Number	0044840122
Book / Page	004484 / 000122
Instrument Date	Dec 27, 2017
Instrument	88120
Transaction Type	Transfer
Record Updated	Jan 10, 2018
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8538 BAYMEADOWS RD #45 JACKSONVILLE FL 32256, 45, JACKSONVILLE, FL 32256

Mortgage

Document Number	44840124
Date	Dec 29, 2017
Book Page	004484/000124
Instrument	88121

Lender

Name	KOPACH KATHLEEN LIVING TR (PT)
Address	11047 CASTLEMAIN CIR E, JACKSONVILLE, FL 32256-2894

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 28, 2022

Interest

Rate Type	Fixed Rate
Rate	3%

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 14, 2017
Property Address	4600 N FRANCIS RD, SAINT AUGUSTINE, FL 32095-8837
Document Number	0044040556
Book / Page	004404 / 000556
Instrument Date	Jun 16, 2017
Instrument	48492
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	FIRST INT'L TITLE

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	11047 CASTLEMAIN CIR E JACKSONVILLE FL 322562894, JACKSONVILLE, FL 32256-2894

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 22, 2017
Property Address	4600 N FRANCIS RD, SAINT AUGUSTINE, FL 32095-8837
Document Number	0043470141
Book / Page	004347 / 000141
Instrument Date	Mar 10, 2017
Instrument	19667
Transaction Type	Transfer
Record Updated	Apr 5, 2017
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Tax	$1,750.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11047 CASTLEMAIN CIR E JACKSONVILLE FL 322562894, JACKSONVILLE, FL 32256-2894

Tax Assessment & Valuation

The 2025 property tax bill for 4600 N Francis Rd was $334, up 31.5% 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
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$252,516 (-43.51%) Land $252,516	$446,984 (-) Land $446,984
2025	$334.00 (+31.5%) Additional exemption filed	$446,984	$446,984 Land $446,984
2024	$254.00
2023	$254.00 (+7.63%) Additional exemption filed	$250,066 (+34.91%)	$250,066 (+34.91%) Land $224,465 Building $25,601
2022	$236.00 Additional exemption filed	$185,363	$185,363 Land $162,922 Building $22,441

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4600 N Francis Rd in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 4600 N Francis Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% 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.

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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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