495 Christina Dr, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 495 Christina Dr, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,884 sqft · built 2017
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$373,994 (Aug 2016)
Tax Bill	$4,589 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`284199-0300`

Property Details

APN / Parcel Number

Primary APN	`284199-0300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,884 sqft Living Area
Gross Area	2,320 sqft
1st Floor Area	1,884 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Finished/Open Porch
Porch Area	390 sqft
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	495 CHRISTINA DR
City	SAINT AUGUSTINE
State	FL
Zip	32086-7754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	22/24-48 ST AUGUSTINE SHORES UNIT 7 BLK 199 LOT 30 OR4231/1774
Legal Range	30E
Legal Township	08S
Legal Section	41
Legal Subdivision	ST. AUGUSTINE SHORES UNIT 7
Legal Block	199
Legal Lot Number	30
Legal Unit	7
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	3
Census Block	3010
Census Tract	21210

Owner

495 Christina Dr is owned and occupied by two individuals who bought it in August 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	495 CHRISTINA DR, SAINT AUGUSTINE, FL 32086-7754
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 12, 2021	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Feb 28, 2017	Loan Modification, Mortgage · Conventional with PMI HOMESTAR FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2016 · Amount on File
Deed Sale	Aug 1, 2016 · Amount on File
Prior Sale	Jul 1, 2016 · Amount on File
Deed Document Number	201648950
Deed Book / Page	4231 / 1774
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	495 CHRISTINA DR, SAINT AUGUSTINE, FL 32086-7754
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 CHRISTINA DR, ST AUGUSTINE, FL 32086-7754

Mortgage

Document Number	0052341278
Date	Apr 12, 2021
Book Page	5234/1278
Instrument	2021040190

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	495 CHRISTINA DR, SAINT AUGUSTINE, FL 32086-7754
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 CHRISTINA DR, SAINT AUGUSTINE, FL 32086-7754

Mortgage

Document Number	0050771722
Date	Oct 22, 2020
Book Page	5077/1722
Instrument	2020093920

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	253 Months
Due	Nov 1, 2041

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	495 CHRISTINA DR, SAINT AUGUSTINE, FL 32086-7754
Document Number	0043400613
Book / Page	004340 / 000613
Instrument Date	Feb 28, 2017
Transaction Type	Mortgage
Record Updated	Mar 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	495 CHRISTINA DR ST AUGUSTINE FL 32086, ST AUGUSTINE, FL 32086

Mortgage

Document Number	0043400613
Date	Mar 6, 2017
Book Page	004340/000613
Instrument	15791

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 495 Christina Dr was $4,589 with a homeowner's exemption, up 12.4% 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
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$364,301 (+2.7%)	$470,470 (-5.72%) Land $120,000 Building $350,470
2025	$4,589.00 (+12.42%) Homeowner's exemption	$354,723 (+2.9%)	$499,015 (+6.32%) Land $120,000 Building $379,015
2024	$4,082.00 (+2%) Homeowner's exemption	$344,726 (+3%)	$469,366 (+5.75%) Land $120,000 Building $349,366
2023	$4,002.00 (+2.85%) Homeowner's exemption	$334,685 (+3%)	$443,864 (+3.91%) Land $120,000 Building $323,864
2022	$3,891.00 Homeowner's exemption	$324,937	$427,147 Land $90,720 Building $336,427

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

Flood

FEMA maps place 495 Christina Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 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

Wildfire risk around 495 Christina Dr is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% 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-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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T.

Nearby Properties on Christina Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures