48 Charlotte St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 48 Charlotte St, Saint Augustine, FL 32084

Property Summary

Property Type	Commercial
Details	1,890 sqft · built 1915
Lot Size	0.03 acres (1,306 sqft)
Owner	Company Name on File
Last Sale	$575,000 (Nov 2004)
Tax Bill	$10,601 (2025)
Deeds & Mortgages	Jun 2018 Transfer
Flood Zone	Zone AE (high risk)
APN	`196690-0000`

Property Details

APN / Parcel Number

Primary APN	`196690-0000`

Interior

Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,890 sqft Gross Area
1st Floor Area	945 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1915
Effective Year Built	Effective 2002
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gambrel
Roof Material	Built-Up Asphalt
Lot Area	1,306 sqft (0.03 acres)
Lot Dimensions	43 ft deep x 31 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	174 sqft
Canopy	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	48 CHARLOTTE ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-3646
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	CITY OF ST AUGUSTINE S30.71FT OF E42.9FT OF LOT 8 BLK 8 OR2322/1314 &4563/1592
Legal Range	30E
Legal Township	07S
Legal Section	18
Legal Subdivision	CITY OF ST AUGUSTINE
Legal Block	8
Legal Lot Number	8
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2044
Census Tract	20500

Owner

Source: St. Johns County records · APN 196690-0000

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	Company Name on File
Mailing Address	PO BOX 4623, KEY WEST, FL 33041-4623
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 19, 2004 · Amount on Record
Deed Sale	Nov 19, 2004 · Amount on Record
Prior Sale	Jul 11, 2000 · Amount on Record
Deed Document Number	200486409
Deed Book / Page	2322 / 1314
Last Transfer Date	Jun 01, 2018
Transfer Doc	0045631592
Record Updated	Jun 08, 2026

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 15, 2018
Property Address	48 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-3646
Document Number	0045631592
Book / Page	004563 / 001592
Instrument Date	Jun 01, 2018
Instrument	41969
Transaction Type	Transfer
Record Updated	Jul 04, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 4623 KEY WEST FL 330414623, KEY WEST, FL 33041-4623

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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		$459,788 (-32.8%)	$668,567 (-2.29%) Land $392,100 Building $276,467
2025	$10,601.00 (+13.55%) Additional exemption filed	$684,238 (+26.72%)	$684,238 (+26.72%) Land $379,030 Building $305,208
2024	$9,336.00 (+12.09%)
2023	$8,329.00 (+23.36%) Additional exemption filed	$539,947 (+68.97%)	$539,947 (+68.97%) Land $261,400 Building $278,547
2022	$6,752.00 Additional exemption filed	$319,545	$319,545 Land $130,700 Building $188,845

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 435 individual policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	579 units insured incl. 144 condo units
Nearby Flood Claims	542 (1988–2024)
Claims Outside the SFHA	9 of 542
Most Recent Claim	Sep 2024 · tidal / storm surge
Claims by Event	Hurricane Ian, Sep 2022 · 38 claims Hurricane Irma, Sep 2017 · 137 claims Hurricane Matthew, Oct 2016 · 263 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic District	Within the St. Augustine Town Plan Historic District listed 1970 · 223 contributing resources · National Historic Landmark (designated 1970) · NRIS 70000847

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Based on FCC filings for 193 locations within half a mile of this property.

Drinking Water

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

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 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.