St. Johns County property record for 89 San Telmo Ct, Saint Augustine, FL 32095 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,164 sqft · built 2017 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $395,000 (Oct 2017) |
| Tax Bill | $4,067 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072153-2930 |
| Primary APN | 072153-2930 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,164 sqft Living Area |
| Gross Area | 3,784 sqft |
| 1st Floor Area | 2,642 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 89 SAN TELMO CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-7492 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 79/38-47 PALENCIA NORTH PHASE III A-1 LOT 293 OR4446/1658 |
| Legal Range | 29E |
| Legal Township | 05S |
| Legal Section | 61 |
| Legal Subdivision | PALENCIA NORTH PHASE III A-1 |
| Legal Phase | 3 |
| Legal Block | 1 |
| Legal Lot Number | 293 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 20606 |
Source: St. Johns County records · APN 072153-2930
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 | 89 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7492 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Feb 21, 2020 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 11, 2017 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 11, 2017 · Amount on Record |
| Deed Sale | Oct 11, 2017 · Amount on Record |
| Deed Document Number | 201769104 |
| Deed Book / Page | 4446 / 1658 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 89 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7492 |
| Transaction Type | Mortgage |
| Record Updated | Feb 09, 2021 |
| Name | Verified Name |
|---|---|
| Address | 89 SAN TELMO CT, ST AUGUSTINE, FL 32095-7492 |
| Document Number | 0051631481 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 5163/1481 |
| Instrument | 2021009748 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 89 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7492 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0048861596 |
|---|---|
| Date | Feb 21, 2020 |
| Book Page | 4886/1596 |
| Instrument | 2020013621 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 11, 2017 |
| Property Address | 89 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7492 |
| Document Number | 0044461658 |
| Book / Page | 4446 / 1658 |
| Map Reference | MB79 PG38 |
| Instrument Date | Oct 06, 2017 |
| Instrument | 2017069104 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | NORTH AMERICAN TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339 |
| Name | Verified Name |
|---|---|
| Address | 89 SAN TELMO CT, SAINT AUGUSTINE, FL 32095-7492 |
| Document Number | 2017069105 |
|---|---|
| Date | Oct 11, 2017 |
| Instrument | 2017069105 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $483,435 (+2.7%) | $638,819 (-4.75%) Land $120,000 Building $518,819 | |
| 2025 | $4,067.00 (+6.35%) Disabled Person's exemption Veteran's exemption | $470,725 (+2.9%) | $670,679 (+1.44%) Land $130,000 Building $540,679 |
| 2024 | $3,824.00 (+7.93%) Disabled Person's exemption Veteran's exemption | $457,459 (+3%) | $661,139 (+1.69%) Land $120,000 Building $541,139 |
| 2023 | $3,543.00 (+0.51%) Disabled Person's exemption Veteran's exemption | $444,135 (+3%) | $650,159 (+5.41%) Land $120,000 Building $530,159 |
| 2022 | $3,525.00 Disabled Person's exemption Veteran's exemption | $431,199 | $616,811 Land $95,200 Building $521,611 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090206063, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 221 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 221 in force |
| Wildfire Risk | Moderate above 62% of the US · above 36% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 633 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 170 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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