946 Pearl St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 946 Pearl St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 888 sqft · built 1925
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Mar 2025)
Tax Bill	$1,364 (2025)
Deeds & Mortgages	Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`117120-0000`

Property Details

APN / Parcel Number

Primary APN	`117120-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	888 sqft Living Area
1st Floor Area	780 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	63 ft deep x 47 ft wide
Porch	Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air with A/C

Location & Zoning

Street Address	946 PEARL ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-9543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	3-47 AFRO-AMERICAN SUBD OF BLK 86 DANCY TRACT S62.5FT OF LOT 27 OR6114/617
Legal Range	29E
Legal Township	07S
Legal Section	41
Legal Subdivision	AFRO-AMERICAN SUBDIVISON OF THE DANCY TR
Legal Block	86
Legal Lot Number	27
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2010
Census Tract	21003

Owner

Source: St. Johns County records, as of May 7, 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	495 ARRICOLA AVE, SAINT AUGUSTINE, FL 32080-4520
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2025 · Amount on Record
Deed Sale	Mar 17, 2025 · Amount on Record
Deed Document Number	202520357
Deed Book / Page	6114 / 617
Prior Transfer Date	Oct 29, 2003
Prior Transfer Doc	0000081401
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	946 PEARL ST, SAINT AUGUSTINE, FL 32084-9543
Document Number	0047340802
Instrument Date	Apr 10, 2019
Transaction Type	Mortgage
Record Updated	Jun 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 N WHITNEY ST ST AUGUSTINE FL 320849599, ST AUGUSTINE, FL 32084-9599

Mortgage

Document Number	0047340802
Date	Jun 4, 2019
Book Page	004734/000802
Instrument	38431

Lender

Name	CITY/ST AUGUSTINE FL
Address	PO BOX 210, ST AUGUSTINE, FL 32085-0210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	5.65%

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$86,772 (+9.27%) Land $22,500 Building $64,272	$86,772 (+9.27%) Land $22,500 Building $64,272
2025	$1,364.00 (+11.53%)	$79,412 (-12.68%)	$79,412 (-12.68%) Land $22,500 Building $56,912
2024	$1,223.00 (+4.89%)	$90,947 (+5.32%)	$90,947 (+5.32%) Land $24,050 Building $66,897
2023	$1,166.00 (+9.9%)	$86,350 (+13.18%)	$86,350 (+13.18%) Land $19,536 Building $66,814
2022	$1,061.00	$76,295	$76,295 Land $13,468 Building $62,827

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 28 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	3 (1996–2001)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2001 · Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle
Claims by Event	Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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