49 Atlantic Oaks Cir, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 49 Atlantic Oaks Cir, Saint Augustine, FL 32080

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,032 sqft · built 1985
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Oct 2019)
Tax Bill	$7,658 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`172401-0250`

Property Details

APN / Parcel Number

Primary APN	`172401-0250`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Units	2 Units
Stories	1 Story
Building Area	2,032 sqft Living Area
Gross Area	2,464 sqft
1st Floor Area	2,032 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Width	85 ft Width
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	32 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	49 ATLANTIC OAKS CIR
City	SAINT AUGUSTINE
State	FL
Zip	32080-6876
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	14/39 ATLANTIC OAKS FIRST ADDITION LOT 25 BLK A OR4817/1048 & 6125/1302 (L/E)
Legal Range	30E
Legal Township	08S
Legal Section	03
Legal Subdivision	ATLANTIC OAKS FIRST ADDITION
Legal Block	A
Legal Lot Number	25
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1030
Census Tract	21410

Owner

49 Atlantic Oaks Cir, a duplex, is owned by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 LEE DR, SAINT AUGUSTINE, FL 32080-5981
Owner Type	Individual
Vesting	Life Estate

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

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Oct 22, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2019 · Amount on File
Deed Sale	Oct 22, 2019 · Amount on File
Prior Sale	Dec 8, 2005 · Amount on File
Deed Document Number	201978724
Deed Book / Page	4817 / 1048
Prior Transfer Date	Dec 5, 2005
Prior Transfer Doc	0025981950
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	49 ATLANTIC OAKS CIR, SAINT AUGUSTINE, FL 32080-6876
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	ACTION TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 E ST A, A, ST AUGUSTINE, FL 32080-9714

Mortgage

Document Number	0052530157
Date	Apr 30, 2021
Book Page	5253/157
Instrument	2021048629

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 22, 2019
Property Address	49 ATLANTIC OAKS CIR, SAINT AUGUSTINE, FL 32080-6876
Document Number	0048171048
Book / Page	4817 / 1048
Map Reference	MB 14 PG 39
Instrument Date	Oct 21, 2019
Instrument	2019078724
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	344 LOS CAMINOS ST, 344, SAINT AUGUSTINE, FL 32095-7411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 HURSTVIEW DR, HURST, TX 76053-5022

Mortgage

Document Number	0048171050
Date	Oct 22, 2019
Instrument	4817/1050

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	10.8%

Tax Assessment & Valuation

The 2025 property tax bill for 49 Atlantic Oaks Cir was $7,658, up 14.3% from the year before.

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$437,068 (-0.56%) Land $205,000 Building $232,068	$437,068 (-0.56%) Land $205,000 Building $232,068
2025	$7,658.00 (+14.26%)	$439,550 (+8.45%)	$439,550 (+8.45%) Land $205,000 Building $234,550
2024	$6,702.00 (+6.48%)	$405,319 (+0.17%)	$405,319 (+0.17%) Land $185,000 Building $220,319
2023	$6,294.00 (+10.67%)	$404,626 (+20.7%)	$404,626 (+20.7%) Land $185,000 Building $219,626
2022	$5,687.00	$335,244	$335,244 Land $145,600 Building $189,644

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 49 Atlantic Oaks Cir in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.

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 File median of 243 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	365 units insured incl. 122 condo units
Nearby Flood Claims	5 (2016–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims

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

Wildfire risk around 49 Atlantic Oaks Cir is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 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	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 382 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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