478 S Horseshoe Rd, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 478 S Horseshoe Rd, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,792 sqft · built 2002
Lot Size	0.38 acres (16,552 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Apr 2026)
Tax Bill	$5,191 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Dec 2024 Transfer + 6 more
Flood Zone	Zone AE (high risk)
APN	`082880-0520`

Property Details

APN / Parcel Number

Primary APN	`082880-0520`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,792 sqft Living Area
Gross Area	2,660 sqft
1st Floor Area	392 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,552 sqft (0.38 acres)
Lot Dimensions	135 ft deep x 110 ft wide
Garage Type	Carport
Garage Area	868 sqft
Carport	Carport
Carport Area	868 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished Screened Porch
Porch Area	1,232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	478 S HORSESHOE RD
City	SAINT AUGUSTINE
State	FL
Zip	32084-1696
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	PT OF F J FATIO LYING E OF RD S16A SLY PT LOT 52 UNREC PLAT ST AUG MGMT NORTH OR5715/1058 & 6029/1866 & 6029/1869 & 6063/867(C/D)
Legal Range	29E
Legal Township	06S
Legal Section	56
Legal Subdivision	ST. AUGUSTINE MANAGEMENT - SABATE (NORTH
Legal Block	2
Legal Lot Number	52
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2005
Census Tract	20903

Owner

Source: St. Johns County records, as of May 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10093 LOBLOLLY TRL, MANASSAS, VA 20110-2720
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 4, 2024	Correction Deed
Oct 1, 2024	Intrafamily Transfer, Transfer
Oct 1, 2024	Intrafamily Transfer, Transfer
Feb 28, 2023	Warranty Deed, Transfer LANDMARK TITLE, LANDMARK TITLE LLC
May 27, 2020	Loan Modification, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
Jun 27, 2018	Loan Modification, Mortgage LAKEVIEW LN SERVICING
Feb 23, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	Feb 28, 2023 · Amount on Record
Deed Document Number	202632921
Deed Book / Page	6346 / 522
Prior Transfer Date	Dec 3, 2024
Prior Transfer Doc	0060630867
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 17, 2026
Property Address	478 S HORSESHOE RD, SAINT AUGUSTINE, FL 32084-1696
Document Number	0063460522
Book / Page	6346 / 522
Instrument Date	Apr 8, 2026
Instrument	2026.32921
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10093 LOBLOLLY TRL, MANASSAS, VA 20110-2720

Mortgage

Document Number	0000032922,
Date	Apr 17, 2026
Book Page	6346/525
Instrument	2026.32922

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

December 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 4, 2024
Property Address	478 S HORSESHOE RD, SAINT AUGUSTINE, FL 32084-1696
Document Number	0060630867
Book / Page	6063 / 867
Instrument Date	Dec 3, 2024
Instrument	2024094455
Record Updated	Oct 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	707 STANDISH DR, ST AUGUSTINE, FL 32086-6834

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 STANDISH DR, ST AUGUSTINE, FL 32086-6834

October 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Oct 1, 2024
Property Address	478 S HORSESHOE RD, SAINT AUGUSTINE, FL 32084-1696
Document Number	0060291866
Book / Page	6029 / 1866
Instrument Date	Sep 27, 2024
Instrument	2024077359
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	707 STANDISH DR, ST AUGUSTINE, FL 32086-6834

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	707 STANDISH DR, ST AUGUSTINE, FL 32086-6834

October 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Oct 1, 2024
Property Address	478 S HORSESHOE RD, SAINT AUGUSTINE, FL 32084-1696
Document Number	0060291869
Book / Page	6029 / 1869
Map Reference	MB 21 PG 37&38
Instrument Date	Sep 27, 2024
Instrument	2024077360
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	707 STANDISH DR, ST AUGUSTINE, FL 32086-6834

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 STANDISH DR, ST AUGUSTINE, FL 32086-6834

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 28, 2023
Property Address	478 S HORSESHOE RD, SAINT AUGUSTINE, FL 32084-1696
Document Number	0057151058
Book / Page	5715 / 1058
Instrument Date	Feb 24, 2023
Instrument	2023015123
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	823 PARK ST, SAINT MARYS, GA 31558-8709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 CACIQUE DR, ST AUGUSTINE, FL 32086-8847

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	478 N HORSESHOE RD, SAINT AUGUSTINE, FL 32084
Document Number	0049921536
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26221 PRINCE PIERRE WAY BONITA SPRINGS FL 341353113, BONITA SPRINGS, FL 34135-3113

Mortgage

Document Number	0049921536
Date	Jul 17, 2020
Book Page	004992/001536
Instrument	58041

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2050

Interest

Rate Type	Fixed Rate

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	478 N HORSESHOE RD, SAINT AUGUSTINE, FL 32084
Document Number	0045870404
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	478 S HORSESHOE RD ST AUGUSTINE FL 320841696, ST AUGUSTINE, FL 32084-1696

Mortgage

Document Number	0045870404
Date	Jul 27, 2018
Book Page	004587/000404
Instrument	54096

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2048

Interest

Rate Type	Fixed Rate
Rate	4.37%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 23, 2017
Property Address	478 N HORSESHOE RD, SAINT AUGUSTINE, FL 32084
Document Number	0043350611
Book / Page	004335 / 000611
Instrument Date	Feb 21, 2017
Instrument	13187
Transaction Type	Transfer
Record Updated	Aug 14, 2020
Title Company	LAND TITLE/AMERICA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 TREETOP TRL ORMOND BEACH FL 321749207, ORMOND BEACH, FL 32174-9207

Mortgage

Document Number	43350613
Date	Feb 23, 2017
Book Page	004335/000613
Instrument	13188

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 22, 2047

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		$372,589 (+2.91%) Land $62,315 Building $310,274	$372,589 (+2.91%) Land $62,315 Building $310,274
2025	$5,191.00 (+19.64%)	$362,042 (+11.68%)	$362,042 (+11.68%) Land $62,315 Building $299,727
2024	$4,339.00 (+10.55%)	$324,175 (-2.78%)	$324,175 (-2.78%) Land $62,315 Building $261,860
2023	$3,925.00 (+14.43%)	$333,432 (+22.71%)	$333,432 (+22.71%) Land $79,876 Building $253,556
2022	$3,430.00	$271,727	$271,727 Land $66,661 Building $205,066

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 136 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	23 (2016–2022)
Claims Outside the SFHA	1 of 23
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Nicole, Nov 2022 · 7 claims Hurricane Ian, Sep 2022 · 4 claims Hurricane Irma, Sep 2017 · 6 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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