54 Lovett St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 54 Lovett St, Saint Augustine, FL 32084 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,619 sqft · built 2021
Lot Size	0.08 acres (3,484 sqft)
Owner	2 Individual Names on File
Last Sale	$677,000 (Apr 2025)
Tax Bill	$10,257 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Jun 2020 Construction Loan + 1 more
Flood Zone	Zone AE (high risk)
APN	`210560-0000`

Property Details

APN / Parcel Number

Primary APN	`210560-0000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,619 sqft Living Area
Gross Area	1,839 sqft
1st Floor Area	917 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,484 sqft (0.08 acres)
Lot Dimensions	90 ft deep x 41 ft wide
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	168 sqft
Deck Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	54 LOVETT ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-4807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1/105 KEITH PROPERTY LOT 9 BLK C OR4871/1329 & 6135/956
Legal Range	30E
Legal Township	07S
Legal Section	19
Legal Subdivision	KEITH PROPERTY
Legal Block	C
Legal Lot Number	9
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2009
Census Tract	20400

Owner

Source: St. Johns County records · APN 210560-0000

Assessment roll updated April 13, 2026 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 3246, PONTE VEDRA BEACH, FL 32004-3246
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2025	Warranty Deed, Transfer · Conventional Mortgage V I P MORTGAGE INC
Jun 24, 2020	Deed of Trust, Mortgage · Construction Mortgage AMERIS BANK
Jan 27, 2020	Warranty Deed, Transfer LAND TITLE/AMERICA INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 23, 2025 · Amount on Record
Deed Sale	Apr 23, 2025 · Amount on Record
Prior Sale	Jan 27, 2020 · Amount on Record
Deed Document Number	202531250
Deed Book / Page	6135 / 956
Prior Transfer Date	Apr 24, 2013
Prior Transfer Doc	0037211458
Record Updated	Sep 20, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 23, 2025
Property Address	54 LOVETT ST, SAINT AUGUSTINE, FL 32084-4807
Document Number	0061350956
Book / Page	6135 / 956
Map Reference	MB 1 PG 105
Instrument Date	Apr 21, 2025
Instrument	2025031250
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	PARADISE TITLE/STATE AUGUSTINE, PARADISE TTL OF ST AUGUSTINE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,739.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 LOVETT ST, ST AUGUSTINE, FL 32084-4807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3246, PONTE VEDRA BEACH, FL 32004-3246

Mortgage

Document Number	0006135958
Date	Apr 23, 2025
Instrument	6135/958

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2055

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	54 LOVETT ST, SAINT AUGUSTINE, FL 32084-4807
Transaction Type	Mortgage
Record Updated	Aug 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049720349
Date	Jun 24, 2020
Book Page	4972/349
Instrument	2020049592

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jul 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jul 01, 2026
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Max Rate	9.5%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 27, 2020
Property Address	54 LOVETT ST, SAINT AUGUSTINE, FL 32084-4807
Document Number	0048711329
Book / Page	004871 / 001329
Instrument Date	Jan 16, 2020
Instrument	6052
Transaction Type	Transfer
Record Updated	Feb 12, 2020
Title Company	LAND TITLE/AMERICA INC

Transaction

Amount	Amount Recorded
Tax	$1,015.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19 SMILING FISH LN ORMOND BEACH FL 32173, ORMOND BEACH, FL 32173

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$607,807 (+8.59%) Land $142,680 Building $465,127	$607,807 (-12.08%) Land $142,680 Building $465,127
2025	$10,257.00 (+7.73%) Homeowner's exemption	$559,732 (+2.9%)	$691,289 (+2.36%) Land $142,680 Building $548,609
2024	$9,521.00 (+2.38%) Homeowner's exemption	$543,957 (+3%)	$675,351 (+1.9%) Land $160,515 Building $514,836
2023	$9,300.00 (+2.83%) Homeowner's exemption	$528,114 (+3%)	$662,770 (+23.6%) Land $142,680 Building $520,090
2022	$9,044.00 Homeowner's exemption	$512,732	$536,204 Land $135,831 Building $400,373

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090204002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 376 individual NFIP policies nearby
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	389 units insured 13 under condo master policies
Nearby Flood Claims	284 (1982–2024)
Claims Outside the SFHA	3 of 284
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm	Hurricane Ian, Sep 2022 · 26 claims Hurricane Irma, Sep 2017 · 84 claims Hurricane Matthew, Oct 2016 · 124 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Lincolnville Historic District listed 1991 · 548 contributing resources · NRIS 91000979

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 306 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

May also be available at this address: AT&T, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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