St. Johns County property record for 785 Pearl St, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,259 sqft · built 2022 |
| Lot Size | 0.28 acres (12,196 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $328,216 (Apr 2022) |
| Tax Bill | $4,329 (2025) |
| Deeds & Mortgages | Oct 2021 Construction Loan Sep 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 115440-0010 |
| Primary APN | 115440-0010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,259 sqft Living Area |
| Gross Area | 1,499 sqft |
| 1st Floor Area | 1,259 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 | 12,196 sqft (0.28 acres) |
| Lot Dimensions | 122 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 785 PEARL ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 97/80-81 PEARL AT ST JOHNS LOT 1 EX SOUTH 3 FT OR5547/1068 |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | PEARL AT ST. JOHNS |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 21002 |
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 | 785 PEARL ST, 1, SAINT AUGUSTINE, FL 32084 |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Oct 4, 2021 | Deed of Trust, Mortgage · Construction Mortgage BARWICK BANKING CO |
| Sep 20, 2022 | Correction Deed |
| Apr 1, 2020 | Warranty Deed, Transfer LAND TITLE/AMERICA INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2022 · Amount on Record |
| Deed Sale | Apr 28, 2022 · Amount on Record |
| Prior Sale | Apr 1, 2020 · Amount on Record |
| Deed Document Number | 202243706 |
| Deed Book / Page | 5547 / 1068 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 785 PEARL ST, SAINT AUGUSTINE, FL 32084-9540 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Title Company | ACTION TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 140 COASTAL OAK CIR, PONTE VEDRA BEACH, FL 32082-2702 |
| 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 Recorded |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 20, 2022 |
| Property Address | 785 PEARL ST, SAINT AUGUSTINE, FL 32084-9540 |
| Document Number | 0056361575 |
| Book / Page | 5636 / 1575 |
| Instrument Date | Jul 13, 2022 |
| Instrument | 2022089653 |
| Record Updated | Feb 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 785 PEARL ST, SAINT AUGUSTINE, FL 32084-9540 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 1, 2020 |
| Property Address | 785 PEARL ST, SAINT AUGUSTINE, FL 32084-9540 |
| Document Number | 0049140437 |
| Book / Page | 004914 / 000437 |
| Instrument Date | Mar 11, 2020 |
| Instrument | 25826 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2020 |
| Title Company | LAND TITLE/AMERICA INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $560.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 140 COASTAL OAK CIR PONTE VEDRA BEACH FL 320822702, PONTE VEDRA BEACH, FL 32082-2702 |
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 | $305,693 (+3.47%) Land $60,000 Building $245,693 | $305,693 (+3.47%) Land $60,000 Building $245,693 | |
| 2025 | $4,329.00 (+5.95%) | $295,430 (-2.86%) | $295,430 (-2.86%) Land $60,000 Building $235,430 |
| 2024 | $4,086.00 (+2.74%) | $304,126 (+4.18%) | $304,126 (+4.18%) Land $65,000 Building $239,126 |
| 2023 | $3,977.00 (+486.58%) | $291,926 (+701.99%) | $291,926 (+701.99%) Land $52,800 Building $239,126 |
| 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.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 293 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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