St. Johns County property record for 56 Charlotte St, Saint Augustine, FL 32084
| Property Type | Commercial |
|---|---|
| Details | 999 sqft · built 1930 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $660,000 (Jun 2019) |
| Tax Bill | $12,767 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 197030-0000 |
| Primary APN | 197030-0000 |
|---|
| Plumbing Fixtures | 11 Plumbing Fixtures |
|---|---|
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 999 sqft Gross Area |
| 1st Floor Area | 648 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 180 ft deep x 44 ft wide |
| Porch | Florida Room |
|---|---|
| Porch Area | 870 sqft |
| Deck Area | 351 sqft |
| Patio Area | 1,321 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 56 CHARLOTTE ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-3647 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | CITY OF ST AUG E90FT OF LOT 11 BLK 9 (EX N3FT & S2FT) OR4738/1436 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 18 |
| Legal Subdivision | CITY OF ST AUGUSTINE |
| Legal Block | 9 |
| Legal Lot Number | 11 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 20500 |
Source: St. Johns County records · APN 197030-0000
Assessment roll updated April 13, 2026 · Last verified April 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 | 56 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-3647 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 03, 2023 | Deed of Trust, Mortgage · Commercial Mortgage SOUTH STATE BANK NA |
| Jul 22, 2022 | Deed of Trust, Mortgage CITY OF ST AUGUSTINE FLORIDA |
| Jun 10, 2019 | Warranty Deed, Transfer · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 10, 2019 · Amount on Record |
| Deed Sale | Jun 10, 2019 · Amount on Record |
| Deed Document Number | 201940446 |
| Deed Book / Page | 4738 / 1436 |
| Prior Transfer Date | Jun 17, 2015 |
| Prior Transfer Doc | 0040451080 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 56 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-3647 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 665 W MARINA COVE DR 252, 252, SAINT AUGUSTINE, FL 32080-6232 |
| Document Number | 0057040295 |
|---|---|
| Date | Feb 03, 2023 |
| Book Page | 5704/295 |
| Instrument | 2023008717 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT AUGUSTINE, FL 32086 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 56 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-3647 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 56 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-3647 |
| Document Number | 0056020514 |
|---|---|
| Date | Jul 22, 2022 |
| Book Page | 5602/514 |
| Instrument | 2022071499 |
| Name | CITY OF ST AUGUSTINE FLORIDA |
|---|---|
| Type | Government Agency |
| Address | SAINT AUGUSTINE, FL 32085 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 10, 2019 |
| Property Address | 56 CHARLOTTE ST, SAINT AUGUSTINE, FL 32084-3647 |
| Document Number | 0047381436 |
| Book / Page | 4738 / 1436 |
| Instrument Date | May 30, 2019 |
| Instrument | 2019040446 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,620.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1917, DUBLIN, OH 43017-7917 |
| Name | Verified Name |
|---|---|
| Address | 39 9 BROOKSIDE AVENUE, FAIR LAWN, NJ 07410-4800 |
| Document Number | 0047381439 |
|---|---|
| Date | Jun 10, 2019 |
| Instrument | 4738/1439 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Municipality | St. Augustine City |
| 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 | $699,717 (-6.16%) | $898,825 (-0.78%) Land $613,800 Building $285,025 | |
| 2025 | $12,767.00 (+11.2%) Additional exemption filed | $745,658 (+2.54%) | $905,903 (+2.16%) Land $594,000 Building $311,903 |
| 2024 | $11,481.00 (+5.97%) Additional exemption filed | $727,160 (+5.8%) | $886,710 (+6.43%) Land $594,000 Building $292,710 |
| 2023 | $10,834.00 (+13.3%) Additional exemption filed | $687,267 (+27.78%) | $833,156 (+51.81%) Land $594,000 Building $239,156 |
| 2022 | $9,562.00 Additional exemption filed | $537,835 | $548,818 Land $316,800 Building $232,018 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 435 individual policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 579 units insured incl. 144 condo units |
| Nearby Flood Claims | 542 (1988–2024) |
| Claims Outside the SFHA | 9 of 542 |
| Most Recent Claim | Sep 2024 · tidal / storm surge |
| Claims by Event |
|
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the St. Augustine Town Plan Historic District listed 1970 · 223 contributing resources · National Historic Landmark (designated 1970) · NRIS 70000847 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 193 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. AUGUSTINE WS serves 43,069 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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