524 San Bruno St, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 524 San Bruno St, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,438 sqft · built 1981
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$181,000 (Jul 2017)
Tax Bill	$2,215 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2019 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`284127-0150`

Property Details

APN / Parcel Number

Primary APN	`284127-0150`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,438 sqft Living Area
Gross Area	2,116 sqft
1st Floor Area	1,438 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	120 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Glass Porch
Porch Area	92 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	524 SAN BRUNO ST
City	SAINT AUGUSTINE
State	FL
Zip	32086-7143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	13-36 37 ST AUG SHORES UNIT 4 LOT 15 BLK 127 OR4406/229
Legal Range	30E
Legal Township	08S
Legal Section	39
Legal Subdivision	ST. AUGUSTINE SHORES UNIT 4
Legal Block	127
Legal Lot Number	15
Legal Unit	4
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	1
Census Block	1005
Census Tract	21211

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	524 SAN BRUNO ST, SAINT AUGUSTINE, FL 32086-7143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 8, 2019	Deed of Trust, Mortgage · Conventional with PMI VYSTAR CU
Mar 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Jul 18, 2017	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2017 · Amount on Record
Deed Sale	Jul 18, 2017 · Amount on Record
Deed Document Number	201749392
Deed Book / Page	4406 / 229
Prior Transfer Date	Sep 1, 2005
Prior Transfer Doc	0025481216
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	524 SAN BRUNO ST, SAINT AUGUSTINE, FL 32086-7143
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 SAN BRUNO ST, SAINT AUGUSTINE, FL 32086-7143

Mortgage

Document Number	0055101380
Date	Mar 8, 2022
Book Page	5510/1380
Instrument	2022025190

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	524 SAN BRUNO ST, SAINT AUGUSTINE, FL 32086-7143
Document Number	0046940611
Instrument Date	Mar 8, 2019
Transaction Type	Mortgage
Record Updated	Mar 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 SAN BP #ST ST AUGUSTINE FL 32086, ST, ST AUGUSTINE, FL 32086

Mortgage

Document Number	0046940611
Date	Mar 14, 2019
Book Page	004694/000611
Instrument	17552

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	524 SAN BRUNO ST, SAINT AUGUSTINE, FL 32086-7143
Document Number	0046940865
Instrument Date	Mar 8, 2019
Transaction Type	Mortgage
Record Updated	Mar 27, 2019
Title Company	VYSTAR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 SAN BRUNO ST ST AUGUSTINE FL 320867143, ST AUGUSTINE, FL 32086-7143

Mortgage

Document Number	0046940865
Date	Mar 15, 2019
Book Page	004694/000865
Instrument	17645

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 14, 2039

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 18, 2017
Property Address	524 SAN BRUNO ST, SAINT AUGUSTINE, FL 32086-7143
Document Number	0044060229
Book / Page	004406 / 000229
Instrument Date	Jul 15, 2017
Instrument	49392
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	AMERICAS CHOICE TITLE AGENCY, AMERICA'S CHOICE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,267.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 SAN BRUNO ST ST AUGUSTINE FL 320867143, ST AUGUSTINE, FL 32086-7143

Mortgage

Document Number	44060230
Date	Jul 18, 2017
Book Page	004406/000230
Instrument	49393

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2047

Tax Assessment & Valuation

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		$183,288 (+2.7%)	$310,831 (-1.54%) Land $122,657 Building $188,174
2025	$2,215.00 (+14.53%) Homeowner's exemption	$178,469 (+5.99%)	$315,704 (+2.84%) Land $115,762 Building $199,942
2024	$1,934.00 (+2.22%)
2023	$1,892.00 (+3.67%) Homeowner's exemption	$168,387 (+3%)	$306,983 (+10.19%) Land $115,762 Building $191,221
2022	$1,825.00 Homeowner's exemption	$163,483	$278,582 Land $74,911 Building $203,671

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 84 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 in force
Nearby Flood Claims	6 (2016–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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