St. Johns County property record for 475 Horace Ave, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,200 sqft · built 2006 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Jun 2021) |
| Tax Bill | $2,717 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 090010-0070 |
| Primary APN | 090010-0070 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,662 sqft (0.13 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Finished/Open Porch |
| Porch Area | 50 sqft |
| Patio Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 475 HORACE AVE |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-2428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 3-72 PONCE DE LEON HGTS RESUB LOT 5 POMAR PLAT LOT 7 BLK R OR5304/739 |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 11 |
| Legal Subdivision | PONCE DE LEON HEIGHTS |
| Legal Block | R |
| Legal Lot Number | 5,7 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 21002 |
Source: St. Johns County records · APN 090010-0070
Assessment roll updated April 13, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 475 HORACE AVE, SAINT AUGUSTINE, FL 32084-2428 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2022 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Jun 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 29, 2021 · Amount on Record |
| Deed Sale | Jun 29, 2021 · Amount on Record |
| Deed Document Number | 202172324 |
| Deed Book / Page | 5304 / 739 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 475 HORACE AVE, SAINT AUGUSTINE, FL 32084-2428 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 475 HORACE AVE, SAINT AUGUSTINE, FL 32084-2428 |
| Document Number | 0055791383 |
|---|---|
| Date | Jun 15, 2022 |
| Book Page | 5579/1383 |
| Instrument | 2022060036 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 01, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 29, 2021 |
| Property Address | 475 HORACE AVE, SAINT AUGUSTINE, FL 32084-2428 |
| Document Number | 0053040739 |
| Book / Page | 5304 / 739 |
| Map Reference | MB 3 PG 72 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 2021072324 |
| Transaction Type | Transfer |
| Record Updated | Jul 09, 2021 |
| Title Company | LAND TITLE OF AMERICA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 512 OCEAN FOREST DR, 512, SAINT AUGUSTINE, FL 32080-8733 |
| Name | Verified Name |
|---|---|
| Address | 475 HORACE AVE, SAINT AUGUSTINE, FL 32084-2428 |
| Investor | Possibly a Property Investor |
| Document Number | 5304741 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 5304/741 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $220,804 (+2.7%) | $226,765 (+4.57%) Land $36,400 Building $190,365 | |
| 2025 | $2,717.00 (+13.78%) Homeowner's exemption | $214,999 (+4.94%) | $216,856 (+2.82%) Land $36,400 Building $180,456 |
| 2024 | $2,388.00 (+1.02%) | ||
| 2023 | $2,364.00 (+3.37%) Homeowner's exemption | $204,869 (+3%) | $210,901 (+6.03%) Land $36,400 Building $174,501 |
| 2022 | $2,287.00 Homeowner's exemption | $198,902 | $198,902 Land $25,480 Building $173,422 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 43 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Intermediate Holdings Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Hotwire Communications, T-Mobile USA.
Based on FCC filings for 201 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. AUGUSTINE WS serves 43,069 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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