524 N Horseshoe Rd, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 524 N Horseshoe Rd, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1981
Lot Size	0.58 acres (25,264 sqft)
Owner	Individual Name on File
Last Sale	$192,500 (Mar 2019)
Tax Bill	$2,265 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`082880-0000`

Property Details

APN / Parcel Number

Primary APN	`082880-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	2,306 sqft
1st Floor Area	1,225 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2003
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	25,264 sqft (0.58 acres)
Lot Dimensions	170 ft deep x 138 ft wide
Garage Type	Attached
Garage Area	850 sqft
Parking Spaces	3 Parking Spaces
Porch	Florida Room
Porch Area	231 sqft
Deck Area	55 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	524 N HORSESHOE RD
City	SAINT AUGUSTINE
State	FL
Zip	32084-1685
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	PART OF GRANT TO F J FATIO LYING E OF RD #S16A LOT 49 OF UNREC PLAT OF ST AUG MGT NORTH OR4699/1152 & 4879/233(M/C)
Legal Range	29E
Legal Township	06S
Legal Section	56
Legal Subdivision	ST. AUGUSTINE MANAGEMENT - SABATE (NORTH
Legal Block	2
Legal Lot Number	49
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2005
Census Tract	20903

Owner

524 N Horseshoe Rd is owned and occupied by an individual who bought it in March 2019.

Source: St. Johns County records, as of October 5, 2026

Owner of Record	Individual Name on File
Mailing Address	524 N HORSESHOE RD, SAINT AUGUSTINE, FL 32084-1685
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
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP
Mar 26, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2019 · Amount on File
Deed Sale	Mar 26, 2019 · Amount on File
Prior Sale	Dec 13, 2005 · Amount on File
Deed Document Number	201920497
Deed Book / Page	4699 / 1152
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	524 N HORSESHOE RD, SAINT AUGUSTINE, FL 32084-1685
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	NATION TITLE, ACTION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 N HORSESHOE RD, ST AUGUSTINE, FL 32084-1685

Mortgage

Document Number	0053690427
Date	Sep 15, 2021
Book Page	5369/427
Instrument	2021101361

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company
Address	GAINESVILLE, GA 30501

Agreement

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

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 26, 2019
Property Address	524 N HORSESHOE RD, SAINT AUGUSTINE, FL 32084-1685
Document Number	0046991152
Book / Page	4699 / 1152
Instrument Date	Feb 22, 2019
Instrument	2019020497
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	OLDE TOWNE TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,347.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5214 SW 141ST PL, 5214, MIAMI, FL 33175-5916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 N HORSESHOE RD, SAINT AUGUSTINE, FL 32084-1685

Mortgage

Document Number	2019020498
Date	Mar 26, 2019
Instrument	2019020498

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 524 N Horseshoe Rd was $2,265 with a homeowner's exemption, up 14.5% 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		$186,491 (+2.7%)	$346,085 (+5.99%) Land $85,008 Building $261,077
2025	$2,265.00 (+14.45%) Homeowner's exemption	$181,588 (+2.9%)	$326,516 (+16.19%) Land $85,008 Building $241,508
2024	$1,979.00 (+2.22%) Homeowner's exemption	$176,470 (+3%)	$281,031 (+15.26%) Land $85,008 Building $196,023
2023	$1,936.00 (+3.64%) Homeowner's exemption	$171,330 (+3%)	$243,813 (+17.35%) Land $85,008 Building $158,805
2022	$1,868.00 Homeowner's exemption	$166,340	$207,766 Land $70,943 Building $136,823

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

Flood

FEMA maps place 524 N Horseshoe Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 136 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	23 (2016–2022)
Claims Outside the SFHA	1 of 23
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Nicole, Nov 2022 · 7 claims Hurricane Ian, Sep 2022 · 4 claims Hurricane Irma, Sep 2017 · 6 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 524 N Horseshoe Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on N Horseshoe Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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