481 Rio del Norte Rd, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 481 Rio del Norte Rd, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,083 sqft · built 2015
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Jun 2017)
Tax Bill	$10,662 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`072143-0260`

Property Details

APN / Parcel Number

Primary APN	`072143-0260`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	3,083 sqft Living Area
Gross Area	3,839 sqft
1st Floor Area	3,083 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	756 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	419 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	481 RIO DEL NORTE RD
City	SAINT AUGUSTINE
State	FL
Zip	32095-4863
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	73/62-70 RIO DEL NORTE LOT 26 4394/633
Legal Range	29E
Legal Township	05S
Legal Section	61
Legal Subdivision	RIO DEL NORTE
Legal Block	1
Legal Lot Number	26
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	20606

Owner

Source: St. Johns County records, as of June 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	481 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 26, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2017 · Amount on File
Deed Sale	Jun 26, 2017 · Amount on File
Deed Document Number	201743734
Deed Book / Page	4394 / 633
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	481 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 RIO DEL NORTE RD, ST AUGUSTINE, FL 32095-4863

Mortgage

Document Number	0052501643
Date	Apr 28, 2021
Book Page	5250/1643
Instrument	2021047650

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	May 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	481 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863

Mortgage

Document Number	0050460929
Date	Sep 18, 2020
Book Page	5046/929
Instrument	2020080374

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Max Rate	7.62%

June 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 26, 2017
Property Address	481 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Document Number	0043940633
Book / Page	4394 / 0633
Map Reference	MB73 PG62
Instrument Date	Jun 22, 2017
Instrument	2017043734
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863

Mortgage

Document Number	2017043735
Date	Jun 26, 2017
Instrument	2017043735

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 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		$530,600 (+2.7%)	$910,575 (+0.42%) Land $210,000 Building $700,575
2025	$10,662.00 (+9.71%) Homeowner's exemption	$516,650 (+2.9%)	$906,792 (+7.57%) Land $210,000 Building $696,792
2024	$9,718.00 (+5.49%) Homeowner's exemption	$502,089 (+3%)	$842,961 (+14.32%) Land $210,000 Building $632,961
2023	$9,212.00 (+1.69%) Homeowner's exemption	$487,465 (+3%)	$737,383 (+5.38%) Land $200,000 Building $537,383
2022	$9,059.00 Homeowner's exemption	$473,267	$699,762 Land $168,000 Building $531,762

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 File median of 221 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 in force

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	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	SJCU-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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