651 Anderson St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 651 Anderson St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1969
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Apr 2026)
Tax Bill	$2,449 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`126120-0000`

Property Details

APN / Parcel Number

Primary APN	`126120-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	960 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Lot Dimensions	96 ft deep x 50 ft wide
Porch	Finished/Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	651 ANDERSON ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-4772
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	3-107 NIROC HEIGHTS LOT 16 BLK OR5607/445
Legal Range	29E
Legal Township	07S
Legal Section	45
Legal Subdivision	NIROC HEIGHTS
Legal Block	OR560
Legal Lot Number	16
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1047
Census Tract	21003

Owner

Source: St. Johns County assessment roll, 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 File
Mailing Address	651 ANDERSON ST, SAINT AUGUSTINE, FL 32084-4772
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 9, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 9, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 29, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 13, 2021	Warranty Deed, Transfer OS NATIONAL LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 9, 2026 · Amount on Record
Deed Sale	Apr 9, 2026 · Amount on Record
Prior Sale	Jul 29, 2022 · Amount on Record
Deed Document Number	202630533
Deed Book / Page	6341 / 937
Prior Transfer Date	May 10, 2001
Prior Transfer Doc	0000022995
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	651 ANDERSON ST, SAINT AUGUSTINE, FL 32084-4772
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 SHADY LAKE CT, ST AUGUSTINE, FL 32095-8977

Mortgage

Document Number	0056601805
Date	Nov 4, 2022
Book Page	5660/1805
Instrument	2022102629

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Aug 1, 2052

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 9, 2026
Property Address	651 ANDERSON ST, SAINT AUGUSTINE, FL 32084-4772
Document Number	0000030533
Book / Page	6341 / 937
Instrument Date	Apr 6, 2026
Instrument	202630533
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	CLOSING USA LLC, CLOSING BEAR LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$148,470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	651 ANDERSON ST, SAINT AUGUSTINE, FL 32084-4772

Mortgage

Document Number	0000030534,
Date	Apr 9, 2026
Instrument	202630534

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 9, 2026
Property Address	651 ANDERSON ST, SAINT AUGUSTINE, FL 32084-4772
Document Number	0063410937
Book / Page	6341 / 937
Instrument Date	Apr 6, 2026
Instrument	202630533
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	CLOSING USA LLC, CLOSING BEAR LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$148,470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	651 ANDERSON ST, SAINT AUGUSTINE, FL 32084-4772

Mortgage

Document Number	0000030534,
Date	Apr 9, 2026
Instrument	202630534

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 29, 2022
Property Address	651 ANDERSON ST, SAINT AUGUSTINE, FL 32084-4772
Document Number	0056070445
Book / Page	5607 / 445
Map Reference	MB 3 PG 107
Instrument Date	Jul 28, 2022
Instrument	2022074047
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,337.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977

Mortgage

Document Number	0005607447
Date	Jul 29, 2022
Instrument	5607/447

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 13, 2021
Property Address	651 ANDERSON ST, SAINT AUGUSTINE, FL 32084-4772
Document Number	0053671269
Book / Page	5367 / 1269
Map Reference	MB 3 PG 107
Instrument Date	Sep 10, 2021
Instrument	2021100662
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$1,379.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3725 FOREST BLVD, JACKSONVILLE, FL 32246-4819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

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		$172,062 (+1%)	$172,973 (+10.58%) Land $40,000 Building $132,973
2025	$2,449.00 (+14.81%)	$156,420 (+4.89%)	$156,420 (+4.89%) Land $40,000 Building $116,420
2024	$2,133.00 (-5.58%)	$149,122 (-5.19%)	$149,122 (-5.19%) Land $27,300 Building $121,822
2023	$2,259.00 (-4.96%)	$157,283 (-5.57%)	$157,283 (-5.57%) Land $25,935 Building $131,348
2022	$2,377.00	$166,563	$166,563 Land $16,835 Building $149,728

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (2016–2017)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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 189 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile USA.

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