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

St. Johns County property record for 540 N Horseshoe Rd, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,440 sqft · built 1973
Lot Size	0.46 acres (20,037 sqft)
Owner	Trust Name on File
Tax Bill	$868 (2025)
Deeds & Mortgages	Feb 2019 Sale
Flood Zone	Zone X (moderate risk)
APN	`082870-0480`

Property Details

APN / Parcel Number

Primary APN	`082870-0480`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	1,260 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1993
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,037 sqft (0.46 acres)
Lot Dimensions	220 ft deep x 100 ft wide
Garage Area	700 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Deck Area	103 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	540 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 48 OF UNREC PLAT OF ST AUG MGT NORTH OR226/794 & 4680/1620
Legal Range	29E
Legal Township	06S
Legal Section	56
Legal Subdivision	ST. AUGUSTINE MANAGEMENT - SABATE (NORTH
Legal Block	2
Legal Lot Number	48
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2005
Census Tract	20903

Owner

540 N Horseshoe Rd is owner-occupied and held in a trust since February 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	540 N HORSESHOE RD, SAINT AUGUSTINE, FL 32084-1685
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 12, 2019
Transfer Doc	0046801620
Record Updated	Jun 8, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 14, 2019
Property Address	540 N HORSESHOE RD, SAINT AUGUSTINE, FL 32084-1685
Document Number	0046801620
Book / Page	004680 / 001620
Instrument Date	Feb 12, 2019
Instrument	10576
Transaction Type	Transfer
Record Updated	Feb 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	540 N HORSESHOE RD ST AUGUSTINE FL 320841685, ST AUGUSTINE, FL 32084-1685

Tax Assessment & Valuation

The 2025 property tax bill for 540 N Horseshoe Rd was $868 with a homeowner's exemption, up 21.4% 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		$80,440 (+2.7%)	$250,469 (+5.99%) Land $65,450 Building $185,019
2025	$868.00 (+21.4%) Homeowner's exemption	$78,325 (+2.9%)	$236,303 (+9.7%) Land $65,450 Building $170,853
2024	$715.00 (+1.85%) Homeowner's exemption	$76,118 (+3%)	$215,399 (+4.74%) Land $65,450 Building $149,949
2023	$702.00 (+3.85%) Homeowner's exemption	$73,901 (+3%)	$205,645 (+28.02%) Land $65,450 Building $140,195
2022	$676.00 Homeowner's exemption	$71,749	$160,635 Land $54,621 Building $106,014

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

Flood

FEMA maps place 540 N Horseshoe Rd in Zone X, an area of moderate 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 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 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 540 N Horseshoe Rd is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% 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	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 93 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20