6231 Costanero Rd, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 6231 Costanero Rd, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1981
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,600 (Feb 2017)
Tax Bill	$2,963 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`182891-1280`

Property Details

APN / Parcel Number

Primary APN	`182891-1280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1991
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Carport
Garage Area	315 sqft
Carport	Carport
Carport Area	315 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	652 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6231 COSTANERO RD
City	SAINT AUGUSTINE
State	FL
Zip	32080-7612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMH
Legal Description	11-43 TREASURE BCH 2ND ADDN LOT 128 BLK 1 OR4326/256
Legal Range	30E
Legal Township	08S
Legal Section	26
Legal Subdivision	TREASURE BEACH SECOND ADDITION
Legal Block	1
Legal Lot Number	128
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1003
Census Tract	21404

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	2 Individual Names on Record
Mailing Address	6231 COSTANERO RD, SAINT AUGUSTINE, FL 32080-7612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Feb 2, 2017	Warranty Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2017 · Amount on Record
Deed Sale	Feb 2, 2017 · Amount on Record
Deed Document Number	20178108
Deed Book / Page	4326 / 256
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	6231 COSTANERO RD, SAINT AUGUSTINE, FL 32080-7612
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	NATION TITLE, ACTION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6231 COSTANERO RD, SAINT AUGUSTINE, FL 32080-7612

Mortgage

Document Number	0054810034
Date	Jan 31, 2022
Book Page	5481/34
Instrument	2022010664

Lender

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

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	6231 COSTANERO RD, SAINT AUGUSTINE, FL 32080-7612
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	KNIGHT BARRY TITLE SLN INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049081665
Date	Mar 24, 2020
Book Page	4908/1665
Instrument	2020023649

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 2, 2017
Property Address	6231 COSTANERO RD, SAINT AUGUSTINE, FL 32080-7612
Document Number	0043260256
Book / Page	004326 / 000256
Instrument Date	Feb 1, 2017
Instrument	8108
Transaction Type	Transfer
Record Updated	Feb 14, 2017
Title Company	ISLAND TITLE/STATE AUGUSTINE LLC, ISLAND TITLE/ST AUGUSTINE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,677.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6231 COSTANERO RD ST AUGUSTINE FL 320807612, ST AUGUSTINE, FL 32080-7612

Mortgage

Document Number	43260258
Date	Feb 2, 2017
Book Page	004326/000258
Instrument	8109

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 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		$193,858 (+2.7%)	$445,794 (-0.84%) Land $265,000 Building $180,794
2025	$2,963.00 (+11.06%) Homeowner's exemption	$188,761 (+2.9%)	$449,583 (+0.39%) Land $278,000 Building $171,583
2024	$2,668.00 (+1.29%) Homeowner's exemption	$183,441 (+3%)	$447,829 (+5.37%) Land $278,000 Building $169,829
2023	$2,634.00 (+2.05%) Homeowner's exemption	$178,098 (+3%)	$425,009 (+13.41%) Land $257,600 Building $167,409
2022	$2,581.00 Homeowner's exemption	$172,911	$374,748 Land $173,600 Building $201,148

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 396 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	452 units insured incl. 56 condo units
Nearby Flood Claims	576 (1982–2025)
Claims Outside the SFHA	6 of 576
Most Recent Claim	Oct 2025 · tidal / storm surge
Claims by Event	Hurricane Irma, Oct 2017 · 90 claims Hurricane Matthew, Oct 2016 · 354 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 27 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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