St. Johns County property record for 828 Ocean Palm Way, Saint Augustine, FL 32080
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,746 sqft · built 2002 |
| Lot Size | 0.11 acres (4,791 sqft) |
| Owner | Individual Name on File |
| Last Sale | $960,000 (Jan 2024) |
| Tax Bill | $11,983 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Jun 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 174191-6220 |
| Primary APN | 174191-6220 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,746 sqft Living Area |
| Gross Area | 2,157 sqft |
| 1st Floor Area | 1,746 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,791 sqft (0.11 acres) |
| Garage Type | Attached |
| Garage Area | 411 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 170 sqft |
| Deck Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 828 OCEAN PALM WAY |
|---|---|
| City | ST AUGUSTINE |
| State | FL |
| Zip | 32080-8712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 36/34-39 SEA COLONY UNIT 2 OF THE BEACH CLUB AT ANASTASIA RESIDENTIAL CLUSTER DEVELOPMENT BLK F LOT 22 OR5885/1875 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 10 |
| Legal Subdivision | SEA COLONY UNIT 2 OF THE BEACH CLUB AT A |
| Legal Block | F |
| Legal Lot Number | 22 |
| Legal Unit | 2 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 21410 |
828 Ocean Palm Way is owned and occupied by an individual who bought it in January 2024.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1084 SECRET OAKS PL, SAINT JOHNS, FL 32259-3126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 16, 2024 | Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU |
| Jun 11, 2020 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Apr 11, 2019 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 2024 · Amount on File |
| Deed Sale | Jan 16, 2024 · Amount on File |
| Prior Sale | Jun 11, 2020 · Amount on File |
| Deed Document Number | 20243393 |
| Deed Book / Page | 5885 / 1875 |
| Prior Transfer Date | Mar 24, 2016 |
| Prior Transfer Doc | 0041681617 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 16, 2024 |
| Property Address | 828 OCEAN PALM WAY, SAINT AUGUSTINE, FL 32080-8712 |
| Document Number | 0058851875 |
| Book / Page | 5885 / 1875 |
| Map Reference | MB 36 PG 34-39 |
| Instrument Date | Jan 12, 2024 |
| Instrument | 2024003393 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 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 | $6,720.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11391 SQUARE ST UNIT 1211, 1211, JACKSONVILLE, FL 32256-4096 |
| Name | Verified Name |
|---|---|
| Address | 1084 SECRET OAKS PL, SAINT JOHNS, FL 32259-3126 |
| Document Number | 0058851877 |
|---|---|
| Date | Jan 16, 2024 |
| Instrument | 5885/1877 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Feb 1, 2029 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.12% |
| Max Rate At Change | 8.12% |
| Index | 5-Year TN |
| Max Rate | 11.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 11, 2020 |
| Property Address | 828 OCEAN PALM WAY, SAINT AUGUSTINE, FL 32080-8712 |
| Document Number | 0049620380 |
| Book / Page | 4962 / 380 |
| Map Reference | MB 28 PG 34-39 |
| Instrument Date | Jun 4, 2020 |
| Instrument | 2020045349 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GIBRALTAR TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,745.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28 MAKAMAH BEACH RD, 28, NORTHPORT, NY 11768-1339 |
| Name | Verified Name |
|---|---|
| Address | 12474 MASTERS RIDGE DR, JACKSONVILLE, FL 32225-5758 |
| Document Number | 4962382 |
|---|---|
| Date | Jun 11, 2020 |
| Instrument | 4962/382 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 11, 2019 |
| Property Address | 828 OCEAN PALM WAY, SAINT AUGUSTINE, FL 32080-8712 |
| Document Number | 0047071449 |
| Book / Page | 4707 / 1449 |
| Map Reference | MB 36 PG 34-39 |
| Instrument Date | Apr 11, 2019 |
| Instrument | 2019024735 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | PARADISE TTL OF ST AUGUSTINE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,640.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 25 MAKAMAH BEACH RD, NORTHPORT, NY 11768-1338 |
| Document Number | 2019024736 |
|---|---|
| Date | Apr 11, 2019 |
| Instrument | 2019024736 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
The 2025 property tax bill for 828 Ocean Palm Way was $11,983 with a homeowner's exemption, up 58.5% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Municipality | St. Augustine Beach City |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $778,020 (+2.7%) | $796,250 (+5.11%) Land $275,000 Building $521,250 | |
| 2025 | $11,983.00 (+58.48%) Homeowner's exemption | $757,566 | $757,566 Land $250,000 Building $507,566 |
| 2024 | $7,561.00 (+2.18%) | ||
| 2023 | $7,400.00 (+1.55%) Homeowner's exemption | $495,592 (+3%) | $623,980 (-1.62%) Land $235,200 Building $388,780 |
| 2022 | $7,287.00 Homeowner's exemption | $481,157 | $634,249 Land $235,200 Building $399,049 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 828 Ocean Palm Way in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.
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 294 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 954 units insured incl. 660 condo units |
| Nearby Flood Claims | 5 (2016–2024) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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 828 Ocean Palm Way 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 291 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber · Fixed Wireless · DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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