728 Flowers St, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 728 Flowers St, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,028 sqft · built 2006
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$289,400 (Jan 2007)
Tax Bill	$5,056 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`288108-3310`

Property Details

APN / Parcel Number

Primary APN	`288108-3310`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	3,028 sqft Living Area
Gross Area	3,750 sqft
1st Floor Area	1,528 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	352 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	728 FLOWERS ST
City	SAINT AUGUSTINE
State	FL
Zip	32092-2457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	56/45-54 SAINT JOHNS SIX MILE CREEK WEST UNIT 3B LOT 331 OR2858/1684
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	SAINT JOHNS SIX MILE CREEK WEST UNIT 3B
Legal Block	1
Legal Lot Number	331
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1005
Census Tract	20905

Owner

Source: St. Johns County records · APN 288108-3310

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	728 FLOWERS ST, SAINT AUGUSTINE, FL 32092-2457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 30, 2007 · Amount on Record
Deed Sale	Jan 30, 2007 · Amount on Record
Deed Document Number	20076717
Deed Book / Page	2858 / 1684
Record Updated	Jun 08, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	728 FLOWERS ST, SAINT AUGUSTINE, FL 32092-2457
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 FLOWERS ST, SAINT AUGUSTINE, FL 32092-2457

Mortgage

Document Number	0051881410
Date	Feb 24, 2021
Book Page	5188/1410
Instrument	2021020719

Lender

Name	TRIDENT HOME LOANS
Type	Mortgage Company
Address	PENSACOLA, FL 32501

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

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		$223,531 (+2.7%)	$399,034 (-2.37%) Land $85,000 Building $314,034
2025	$5,056.00 (+9.22%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$217,654 (+2.9%)	$408,724 (-2.3%) Land $90,000 Building $318,724
2024	$4,629.00 (+2.03%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$211,520 (+3%)	$418,336 (-0.86%) Land $100,000 Building $318,336
2023	$4,537.00 (+3.02%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$205,359 (+3%)	$421,953 (+6.04%) Land $100,000 Building $321,953
2022	$4,404.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$199,378	$397,901 Land $75,040 Building $322,861

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), as of September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209051, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 84 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 in force

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 468 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL2554471, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SJCU-NORTHWEST UTILITIES WTP serves 48,040 people
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.