St. Johns County property record for 48 Charmer Trce, Saint Augustine, FL 32092 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2023 |
| Square Footage | 2,508 sqft Living Area |
| Lot Size | 6,534 sqft (0.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $499,990 (2024) |
| Tax Bill | $7,580.00 (2025) |
| Primary APN | 029013-1460 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Building Area | 2,508 sqft Living Area |
| Gross Area | 2,936 sqft Gross Area |
| 1st Floor | 1,172 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,534 sqft (0.15 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 428 sqft Garage |
| Porch Area | 128 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 48 CHARMER TRCE |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-0190 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 117/86-97 WHISPER CREEK PHASE 11 UNIT A LOT 146 OR5898/4 |
| Legal Subdivision | WHISPER CREEK PHASE 11 UNIT A |
| Legal Block | 1 |
| Legal Lot Number | 146 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 4 |
| Census Block | 4026 |
| Census Tract | 20905 |
Source: St. Johns County records · APN 029013-1460
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 CHARMER TRCE, SAINT AUGUSTINE, FL 32092-0190 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 24, 2026 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Feb 08, 2024 | Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage JET HOMELOANS LLC |
| May 11, 2023 | Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 08, 2024 · Amount on Record |
| Deed Sale | Feb 08, 2024 · Amount on Record |
| Deed Doc Number | 202410058 |
| Deed Book / Page | 5898 / 4 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 48 CHARMER TRCE, SAINT AUGUSTINE, FL 32092-0190 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 48 CHARMER TRCE, SAINT AUGUSTINE, FL 32092-0190 |
| Document Number | 0063290209 |
|---|---|
| Date | Mar 24, 2026 |
| Book Page | 6329/209 |
| Instrument | 2026024670 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 08, 2024 |
| Property Address | 48 CHARMER TRCE, SAINT AUGUSTINE, FL 32092-0190 |
| Document Number | 0058980004 |
| Book / Page | 5898 / 4 |
| Map Reference | MB 117 PG 86-97 |
| Instrument Date | Jan 30, 2024 |
| Instrument | 2024010058 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 08, 2024 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 48 CHARMER TRCE, SAINT AUGUSTINE, FL 32092-0190 |
| Document Number | 0000058986 |
|---|---|
| Date | Feb 08, 2024 |
| Instrument | 5898/6 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 11, 2023 |
| Property Address | 48 CHARMER TRCE, SAINT AUGUSTINE, FL 32092-0190 |
| Document Number | 0057551247 |
| Book / Page | 5755 / 1247 |
| Map Reference | MB 117 PG 86-97 |
| Instrument Date | May 10, 2023 |
| Instrument | 2023035997 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,032.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7807 BAYMEADOWS RD E # E205, E205, JACKSONVILLE, FL 32256-9664 |
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Investor | Possibly a Property Investor |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $412,390 (+2.7%) | $415,034 (+3.36%) Land $105,000 Building $310,034 | |
| 2025 | $7,580.00 (-2.58%) Homeowner's exemption | $401,548 (+792.33%) | $401,548 (+792.33%) Land $100,000 Building $301,548 |
| 2024 | $7,781.00 (+166.66%) | ||
| 2023 | $2,918.00 | $45,000 | $45,000 Land $45,000 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 55% of the US · above 26% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 714 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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