St. Johns County property record for 551 Carcaba Rd, Saint Augustine, FL 32084 · Last verified June 2026
| Property Type | Residential > Condominium / Townhouse > Townhouse |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2004 |
| Square Footage | 1,922 sqft Living Area |
| Lot Size | 1,742 sqft (0.04 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $415,000 (2019) |
| Tax Bill | $4,410.00 (2025) |
| Primary APN | 142420-0023 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Building Area | 1,922 sqft Living Area |
| Gross Area | 2,258 sqft Gross Area |
| 1st Floor | 970 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Tile Roof |
| Lot Area | 1,742 sqft (0.04 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 336 sqft Garage |
| Deck Area | 144 sqft Deck |
| Porch Area | 320 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 551 CARCABA RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-1711 |
| Property Usage | Residential Property Usage |
| Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | PT OF GL 1 LYING S OF CARCABA RD HERON CREEK PHASE II UNIT 3 (AKA LOT 3 PER OR855/644) OR4732/1518 |
| Legal Range | 30E |
| Legal Township | 06S |
| Legal Section | 32 |
| Legal Subdivision | HERON CREEK UNRECORDED |
| Legal Phase | 2 |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Legal Unit | 3 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 2 |
| Census Block | 2018 |
| Census Tract | 20603 |
Source: St. Johns County records · APN 142420-0023
Assessment roll updated April 13, 2026 · Last verified June 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 | 551 CARCABA RD, SAINT AUGUSTINE, FL 32084-1711 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| May 17, 2018 | Deed of Trust, Mortgage · Line of Credit HARBOR COMMUNITY BANK |
| May 31, 2019 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) UNION SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 31, 2019 · Amount on Record |
| Deed Sale | May 31, 2019 · Amount on Record |
| Deed Doc Number | 201937656 |
| Deed Book / Page | 4732 / 1518 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 551 CARCABA RD, SAINT AUGUSTINE, FL 32084-1711 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 551 CARCABA RD, ST AUGUSTINE, FL 32084-1711 |
| Document Number | 0055350762 |
|---|---|
| Date | Apr 11, 2022 |
| Book Page | 5535/762 |
| Instrument | 2022037640 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 551 CARCABA RD, SAINT AUGUSTINE, FL 32084-1711 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0045480731 |
|---|---|
| Date | May 17, 2018 |
| Book Page | 4548/0731 |
| Instrument | 2018033983 |
| Name | HARBOR COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SAINT AUGUSTINE, FL 32084 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 204 Months |
| Due | May 15, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 31, 2019 |
| Property Address | 551 CARCABA RD, SAINT AUGUSTINE, FL 32084-1711 |
| Document Number | 0047321518 |
| Book / Page | 4732 / 1518 |
| Instrument Date | May 27, 2019 |
| Instrument | 2019037656 |
| Transaction Type | Transfer |
| Record Updated | Aug 02, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,905.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 551 CARCABA RD, 551, SAINT AUGUSTINE, FL 32084-1711 |
| Name | Verified Name |
|---|---|
| Address | 728 PINEY PL, SAINT JOHNS, FL 32259-5441 |
| Document Number | 0047321521 |
|---|---|
| Date | May 31, 2019 |
| Instrument | 4732/1521 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Jun 01, 2026 |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 10% |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $349,409 (+2.7%) | $523,720 (-1.91%) Land $125,000 Building $398,720 | |
| 2025 | $4,410.00 (+12.44%) Homeowner's exemption | $340,223 (+2.9%) | $533,897 (+1.11%) Land $125,000 Building $408,897 |
| 2024 | $3,922.00 (+2%) Homeowner's exemption | $330,635 (+3%) | $528,032 (+1.54%) Land $125,000 Building $403,032 |
| 2023 | $3,845.00 (+2.89%) Homeowner's exemption | $321,005 (+3%) | $520,038 (+23.39%) Land $125,000 Building $395,038 |
| 2022 | $3,737.00 Homeowner's exemption | $311,655 | $421,447 Land $84,000 Building $337,447 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Coastal | Yes |
| Wildfire Risk | Moderate above 45% of the US · above 15% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 3,030 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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