108 Tortuga Bay Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 108 Tortuga Bay Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,898 sqft · built 2013
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$100 (May 2016)
Tax Bill	$5,782 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026551-2690`

Property Details

APN / Parcel Number

Primary APN	`026551-2690`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	2,898 sqft Living Area
Gross Area	3,478 sqft
1st Floor Area	2,338 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	108 TORTUGA BAY DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	63/1-13 GLEN ST JOHNS PH 1 LOT 269 OR3807/1692
Legal Range	28E
Legal Township	05S
Legal Section	29
Legal Subdivision	GLEN ST. JOHNS PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	269
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2011
Census Tract	20908

Owner

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	108 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2016 · Amount on Record
Deed Sale	May 1, 2016 · Amount on Record
Prior Sale	Oct 29, 2013 · Amount on Record
Deed Book / Page	4201 / 1519
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	108 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3207
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3207

Mortgage

Document Number	0055820537
Date	Jun 21, 2022
Book Page	5582/537
Instrument	2022061398

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	108 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3207
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049680612
Date	Jun 19, 2020
Book Page	4968/612
Instrument	2020048079

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2040

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		$295,665 (+2.7%)	$443,839 (-7.27%) Land $100,000 Building $343,839
2025	$5,782.00 (+7.87%) Homeowner's exemption	$287,892 (+2.9%)	$478,655 (-1.08%) Land $112,000 Building $366,655
2024	$5,360.00 (+4.06%) Homeowner's exemption	$279,778 (+3%)	$483,903 (+3.6%) Land $110,000 Building $373,903
2023	$5,151.00 (+5.29%) Homeowner's exemption	$271,629 (+3%)	$467,100 (+3.59%) Land $105,000 Building $362,100
2022	$4,892.00 Homeowner's exemption	$263,717	$450,917 Land $89,600 Building $361,317

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 103 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	103 in force

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	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% 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	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 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	2 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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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