St. Johns County property record for 480 N Clay St, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,688 sqft · built 1991 |
| Lot Size | 0.95 acres (41,382 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $946 (2025) |
| Deeds & Mortgages | Jul 2022 Reverse Mortgage Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 118320-0000 |
| Primary APN | 118320-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,688 sqft Living Area |
| Gross Area | 2,325 sqft |
| 1st Floor Area | 1,688 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 41,382 sqft (0.95 acres) |
| Lot Dimensions | 130 ft deep x 430 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 480 N CLAY ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-1051 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 3-47 AFRO AMERICAN SUB OF BLK 112 DANCY TRACT LOTS 1 2 3 & 4 OR759/827 |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | AFRO-AMERICAN SUBDIVISON OF THE DANCY TR |
| Legal Block | 112 |
| Legal Lot Number | 1 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 21003 |
Source: St. Johns County records, as of April 13, 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 Record |
|---|---|
| Mailing Address | 480 N CLAY ST, SAINT AUGUSTINE, FL 32084-1051 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2022 | Deed of Trust, Mortgage · Reverse Mortgage OPEN MORTGAGE LLC |
| Jan 27, 2021 | Deed of Trust, Mortgage · USDA Mortgage USDA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 480 N CLAY ST, SAINT AUGUSTINE, FL 32084-1051 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 480 N CLAY ST, SAINT AUGUSTINE, FL 32084-1051 |
| Document Number | 0055971284 |
|---|---|
| Date | Jul 14, 2022 |
| Book Page | 5597/1284 |
| Instrument | 2022069087 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78737 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 858 Months |
| Due | Jan 20, 2094 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.97% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 14.9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 480 N CLAY ST, SAINT AUGUSTINE, FL 32084-1051 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051631085 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 5163/1085 |
| Instrument | 2021009676 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Address | SAINT AUGUSTINE, FL 32084 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 22, 2041 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $122,579 (+2.7%) | $380,560 (+4.1%) Land $135,000 Building $245,560 | |
| 2025 | $946.00 (+26.81%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Widower's exemption | $119,356 (+5.99%) | $365,567 (-21.79%) Land $135,000 Building $230,567 |
| 2024 | $746.00 (+4.34%) | ||
| 2023 | $715.00 (-8.1%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Widower's exemption | $112,614 (+3%) | $467,391 (+24.13%) Land $231,581 Building $235,810 |
| 2022 | $778.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Widower's exemption | $109,334 | $376,526 Land $159,650 Building $216,876 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 28 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 3 (1996–2001) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2001 · Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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