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482 Pantano Dr, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 482 Pantano Dr, Saint Augustine, FL 32095 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,870 sqft · built 2025
Lot Size0.31 acres (13,503 sqft)
Owner2 Individual Names on File
Last Sale$571,900 (Aug 2024)
Tax Bill$12,915 (2025)
Deeds & MortgagesApr 2026 Mortgage
Sep 2024 Construction Loan
+ 1 more
Flood ZoneZone AE (high risk)
APN073433-1400

Property Details

APN / Parcel Number

Primary APN073433-1400

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,870 sqft Living Area
Gross Area3,940 sqft
1st Floor Area2,870 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Exterior MaterialStucco
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area13,503 sqft (0.31 acres)
Garage TypeAttached
Garage Area710 sqft
PorchFinished Screened Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address482 PANTANO DR
CitySAINT AUGUSTINE
StateFL
Zip32095-1704
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description113/35-48 MADEIRA AT ST AUGUSTINE PHASE 1C LOT 140 OR6001/201
Legal SubdivisionMADEIRA AT ST AUGUSTINE PHASE 1C
Legal Block1
Legal Lot Number140
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2043
Census Tract20606

Owner

Source: St. Johns County records · APN 073433-1400

Assessment roll updated April 13, 2026 · Last verified May 2026

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

Owner of Record2 Individual Names on File
Mailing Address7107 EMSLEY CIR, JACKSONVILLE, FL 32258-8547
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 24, 2026Deed of Trust, Mortgage · Conventional Mortgage
WELLSFARGOBANKNA
Sep 03, 2024Deed of Trust, Mortgage · Construction Mortgage
VYSTAR CU
Aug 09, 2024Special Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 09, 2024 · Amount on Record
Deed SaleAug 09, 2024 · Amount on Record
Deed Document Number202463092
Deed Book / Page6001 / 201
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Recording DateApr 24, 2026
Property Address482 PANTANO DR, SAINT AUGUSTINE, FL 32095-1704
Document Number0000035209
Book / Page6350 / 1215
Instrument DateApr 17, 2026
Instrument202635209
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyWOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

NameVerified Name
Address482 PANTANO DR, SAINT AUGUSTINE, FL 32095-1704

Mortgage

Document Number0000035209,
DateApr 24, 2026
Book Page6350/1215
Instrument202635209
Lender
NameWELLSFARGOBANKNA
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 01, 2041
Interest
Rate TypeFixed Rate
Rate5.54%
Initial TypeFixed Rate
Max Rate-1%

September 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address482 PANTANO DR, SAINT AUGUSTINE, FL 32095-1704
Transaction TypeMortgage
Record UpdatedOct 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address7107 EMSLEY CIR, JACKSONVILLE, FL 32258-8547

Mortgage

Document Number0060131248
DateSep 03, 2024
Book Page6013/1248
Instrument2024069400
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32202
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term372 Months
DueSep 01, 2055
Interest
Rate TypeAdjustable Rate
Rate5.5%
Type Change DateSep 01, 2030
Change Frequency5 Years
Min Rate At Change3.5%
Max Rate At Change7.5%
Index5-Year TN
Max Rate10.5%

August 2024: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateAug 09, 2024
Property Address482 PANTANO DR, SAINT AUGUSTINE, FL 32095-1704
Document Number0060010201
Book / Page6001 / 201
Map ReferenceMB 113 PG 35-48
Instrument DateAug 07, 2024
Instrument2024063092
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$4,003.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1548 THE GREENS WAY # WAY6, WAY6, JACKSONVILLE BEACH, FL 32250-2490

Transferred To (Grantee/Buyer)

NameVerified Name
Address7107 EMSLEY CIR, JACKSONVILLE, FL 32258-8547

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
MunicipalitySt. Augustine City
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$626,832 (+25.37%)$1,043,850 (+108.77%) Land $450,000 Building $593,850
2025$12,915.00 (+40.29%)$500,000 (-)$500,000 (-) Land $500,000
2024$9,206.00 (+116.82%)$500,000 (+122.22%)$500,000 (+122.22%) Land $500,000
2023$4,246.00$225,000$225,000 Land $225,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090206062, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 252 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies350 units insured
98 under condo master policies
Nearby Flood Claims17 (2012–2024)
Claims Outside the SFHA1 of 17
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Irma, Sep 2017 · 4 claims
  • Hurricane Matthew, Oct 2016 · 6 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 132 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
Hotwire CommunicationsFiber1,000 / 200
VerizonFixed Wireless300 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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