109 Montellano Rd, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 109 Montellano Rd, Saint Augustine, FL 32084

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,308 sqft · built 2025
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$261,990 (Oct 2025)
Tax Bill	$676 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`101411-1420`

Property Details

APN / Parcel Number

Primary APN	`101411-1420`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,308 sqft Living Area
1st Floor Area	622 sqft
Flooring	Carpet

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,742 sqft (0.04 acres)
Porch	Finished/Open Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 MONTELLANO RD
City	SAINT AUGUSTINE
State	FL
Zip	32084-0229
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	124/46-53 CORDERA TOWNHOMES LOT 142 OR6232/1368
Legal Subdivision	CORDERA TOWNHOMES
Legal Block	1
Legal Lot Number	142
Jurisdiction	ST JOHNS FL
Township / Civil Division	HASTINGS
Census Block Group	1
Census Block	1009
Census Tract	21103

Owner

109 Montellano Rd, a townhouse, is owned by two individuals who bought it in October 2025.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	337 HOWLAND DR, PONTE VEDRA, FL 32081-8426
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2025 · Amount on File
Deed Sale	Oct 3, 2025 · Amount on File
Deed Document Number	202581047
Deed Book / Page	6232 / 1368
Record Updated	Sep 20, 2026

October 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 3, 2025
Property Address	109 MONTELLANO RD, SAINT AUGUSTINE, FL 32084-0229
Document Number	0062321368
Book / Page	6232 / 1368
Map Reference	MB 124 PG 46-53
Instrument Date	Sep 29, 2025
Instrument	2025081047
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2026
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,834.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, RD100, ST JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	337 HOWLAND DR, PONTE VEDRA, FL 32081-8426

Mortgage

Document Number	0062321369
Date	Oct 3, 2025
Instrument	6232/1369

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	SOFR Average 30-Day
Max Rate	9.12%

Tax Assessment & Valuation

The 2025 property tax bill for 109 Montellano Rd was $676.

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		$227,661 (+355.32%) Land $50,000 Building $177,661	$227,661 (+355.32%) Land $50,000 Building $177,661
2025	$676.00	$50,000	$50,000 Land $50,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 109 Montellano Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 119 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	119 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

Wildfire risk around 109 Montellano Rd is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20