St. Johns County property record for 781 Pearl St, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,657 sqft · built 2022 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $371,269 (Apr 2022) |
| Tax Bill | $4,249 (2025) |
| Deeds & Mortgages | Oct 2021 Construction Loan Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 115440-0020 |
| Primary APN | 115440-0020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,657 sqft Living Area |
| Gross Area | 1,933 sqft |
| 1st Floor Area | 1,657 sqft |
| Flooring | Carpet |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 276 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 781 PEARL ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-9540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 97/80-81 PEARL AT ST JOHNS LOT 2 OR5548/396 & 5948/1262 |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | PEARL AT ST. JOHNS |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 21002 |
781 Pearl St is owner-occupied and held in a trust since April 2022.
Source: St. Johns County records, as of April 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 781 PEARL ST, SAINT AUGUSTINE, FL 32084-9540 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Oct 4, 2021 | Deed of Trust, Mortgage · Construction Mortgage BARWICK BANKING CO |
| Apr 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2022 · Amount on File |
| Deed Sale | Apr 29, 2022 · Amount on File |
| Prior Sale | Apr 1, 2020 · Amount on File |
| Deed Document Number | 202243994 |
| Deed Book / Page | 5548 / 396 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 781 PEARL ST, SAINT AUGUSTINE, FL 32084-9540 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Title Company | ACTION TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0053840763 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 5384/763 |
| Instrument | 2021107761 |
| Name | BARWICK BANKING CO |
|---|---|
| Type | Bank |
| Address | SAINT AUGUSTINE, FL 32080 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 29, 2022 |
| Property Address | 781 PEARL ST, SAINT AUGUSTINE, FL 32084-9540 |
| Document Number | 0055480396 |
| Book / Page | 5548 / 396 |
| Map Reference | MB 97 PG 80&81 |
| Instrument Date | Apr 8, 2022 |
| Instrument | 2022043994 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,599.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 RADIO RD, ST AUGUSTINE, FL 32084-2881 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 4383, ST AUGUSTINE, FL 32085-4383 |
| Document Number | 0005548398 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 5548/398 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2025 property tax bill for 781 Pearl St was $4,249 with a homeowner's exemption, up 12.5% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $337,160 (+2.7%) | $372,632 (+2.21%) Land $60,000 Building $312,632 | |
| 2025 | $4,249.00 (+12.53%) Homeowner's exemption | $328,296 | $364,579 Land $60,000 Building $304,579 |
| 2024 | $3,776.00 (+2.03%) | ||
| 2023 | $3,701.00 (+445.87%) Homeowner's exemption | $309,751 (+750.96%) | $331,534 (+810.81%) Land $52,800 Building $278,734 |
| 2022 | $678.00 | $36,400 | $36,400 Land $36,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 781 Pearl St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1989.
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 File median of 16 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 15 (1989–2020) |
| Claims Outside the SFHA | 12 of 15 |
| Most Recent Claim | Sep 2020 · river or lake flooding |
| Claims by Event |
|
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 risk around 781 Pearl St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures