496 Christina Dr, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 496 Christina Dr, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,894 sqft · built 2018
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$73,500 (Apr 2018)
Tax Bill	$5,086 (2025)
Deeds & Mortgages	May 2019 Mortgage Jan 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`284200-0300`

Property Details

APN / Parcel Number

Primary APN	`284200-0300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,894 sqft Living Area
Gross Area	2,834 sqft
1st Floor Area	1,894 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Finished Screened Porch
Porch Area	458 sqft
Patio Area	636 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	496 CHRISTINA DR
City	SAINT AUGUSTINE
State	FL
Zip	32086-7753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	22/24-48 ST AUGUSTINE SHORES UNIT 7 BLK 200 LOT 30 OR4539/724
Legal Range	30E
Legal Township	08S
Legal Section	41
Legal Subdivision	ST. AUGUSTINE SHORES UNIT 7
Legal Block	200
Legal Lot Number	30
Legal Unit	7
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	3
Census Block	3004
Census Tract	21210

Owner

496 Christina Dr is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	496 CHRISTINA DR, SAINT AUGUSTINE, FL 32086-7753
Occupancy	Owner Occupied
Owner Type	Individual

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
May 2, 2019	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Jan 26, 2021	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Oct 12, 2018	Loan Modification, Mortgage · Conventional Mortgage AMERIS BK
Apr 30, 2018	Special Warranty Deed, Transfer · ARM ARVEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2018 · Amount on File
Deed Sale	Apr 30, 2018 · Amount on File
Deed Document Number	201829251
Deed Book / Page	4539 / 724
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	496 CHRISTINA DR, SAINT AUGUSTINE, FL 32086-7753
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047171535
Date	May 2, 2019
Book Page	4717/1535
Instrument	2019030047

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 13, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	496 CHRISTINA DR, SAINT AUGUSTINE, FL 32086-7753
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 CHRISTINA DR, SAINT AUGUSTINE, FL 32086-7753

Mortgage

Document Number	0051611145
Date	Jan 26, 2021
Book Page	5161/1145
Instrument	2021008905

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

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

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	496 CHRISTINA DR, SAINT AUGUSTINE, FL 32086-7753
Document Number	0049441784
Instrument Date	May 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	496 CHRISTINA DR ST AUGUSTINE FL 320867753, ST AUGUSTINE, FL 32086-7753

Mortgage

Document Number	0049441784
Date	May 19, 2020
Book Page	004944/001784
Instrument	38113

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 18, 2035

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	496 CHRISTINA DR, SAINT AUGUSTINE, FL 32086-7753
Document Number	0046281397
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Nov 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	496 CHRISTINA DR ST AUGUSTINE FL 320867753, ST AUGUSTINE, FL 32086-7753

Mortgage

Document Number	0046281397
Date	Oct 18, 2018
Book Page	004628/001397
Instrument	75525

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

April 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 30, 2018
Property Address	496 CHRISTINA DR, SAINT AUGUSTINE, FL 32086-7753
Document Number	0045390724
Book / Page	4539 / 0724
Map Reference	MB61 PG36
Instrument Date	Apr 24, 2018
Instrument	2018029251
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ANCHOR TITLE AND LAW PA

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	49 SHORES BLVD, 49, SAINT AUGUSTINE, FL 32086-7238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 MAIN ST, KINGSTON, NY 12401-5241

Mortgage

Document Number	2018029252
Date	Apr 30, 2018
Instrument	2018029252

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	373 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.75%
Index	1-Year LIBOR
Max Rate	9.75%

Tax Assessment & Valuation

The 2025 property tax bill for 496 Christina Dr was $5,086 with a homeowner's exemption, up 12.2% 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		$402,180 (+2.7%)	$510,639 (-6.11%) Land $120,000 Building $390,639
2025	$5,086.00 (+12.25%) Homeowner's exemption	$391,607 (+2.9%)	$543,845 (+6.29%) Land $120,000 Building $423,845
2024	$4,531.00 (+1.96%) Homeowner's exemption	$380,570 (+3%)	$511,654 (+5.91%) Land $120,000 Building $391,654
2023	$4,444.00 (+2.78%) Homeowner's exemption	$369,485 (+3%)	$483,106 (+4.27%) Land $120,000 Building $363,106
2022	$4,324.00 Homeowner's exemption	$358,723	$463,331 Land $90,720 Building $372,611

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

Flood

FEMA maps place 496 Christina Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 496 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.

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