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109 Tesoro Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 109 Tesoro Ter, Saint Augustine, FL 32095 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 2,611 sqft · built 2024
Lot Size0.36 acres (15,681 sqft)
Owner2 Individual Names on File
Last Sale$909,400 (Aug 2024)
Tax Bill$13,606 (2025)
Deeds & MortgagesAug 2024 Sale & Mortgage
Feb 2023 Sale
Flood ZoneZone AE (high risk)
APN073433-0420

Property Details

APN / Parcel Number

Primary APN073433-0420

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures16 Plumbing Fixtures
Stories1 Story
Building Area2,611 sqft Living Area
Gross Area3,264 sqft
1st Floor Area2,611 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area15,681 sqft (0.36 acres)
Garage TypeAttached
Garage Area653 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area403 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address109 TESORO TER
CitySAINT AUGUSTINE
StateFL
Zip32095-1685
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description113/35-48 MADEIRA AT ST AUGUSTINE PHASE 1C LOT 42 OR6009/658
Legal SubdivisionMADEIRA AT ST AUGUSTINE PHASE 1C
Legal Block1
Legal Lot Number42
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2043
Census Tract20606

Owner

Source: St. Johns County records · APN 073433-0420

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 Record2 Individual Names on File
Mailing Address109 TESORO TER, SAINT AUGUSTINE, FL 32095-1685
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Aug 26, 2024Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
NETWORK FUNDING LP
Feb 06, 2023Special Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 26, 2024 · Amount on Record
Deed SaleAug 26, 2024 · Amount on Record
Prior SaleFeb 06, 2023 · Amount on Record
Deed Document Number202467359
Deed Book / Page6009 / 658
Record UpdatedJun 08, 2026

August 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateAug 26, 2024
Property Address109 TESORO TER, SAINT AUGUSTINE, FL 32095-1685
Document Number0060090658
Book / Page6009 / 658
Map ReferenceMB 113 PG 35-48
Instrument DateAug 23, 2024
Instrument2024067359
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 13, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$6,365.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9301 OLD KINGS RD S, JACKSONVILLE, FL 32257-6199

Transferred To (Grantee/Buyer)

NameVerified Name
Address109 TESORO TER, ST AUGUSTINE, FL 32095-1685

Mortgage

Document Number2024067360
DateAug 26, 2024
Instrument2024067360
Lender
NameNETWORK FUNDING LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2054

February 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 06, 2023
Property Address109 TESORO TER, SAINT AUGUSTINE, FL 32095-1685
Document Number0057050588
Book / Page5705 / 588
Map ReferenceMB 113 PG 35
Instrument DateFeb 03, 2023
Instrument2023009391
Transaction TypeTransfer
Record UpdatedJan 13, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$7,031.50
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1548 THE GREENS WAY # WAY6, WAY6, JACKSONVILLE, FL 32250-2490

Transferred To (Grantee/Buyer)

NameVerified Name
Address9301 OLD KINGS RD S, JACKSONVILLE, FL 32257-6199
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
MunicipalitySt. Augustine City
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$604,384 (+2.7%)$648,850 (-17.28%) Land $175,000 Building $473,850
2025$13,606.00 (+76.59%) Homeowner's exemption$588,495 (+135.4%)$784,412 (+213.76%) Land $250,000 Building $534,412
2024$7,705.00 (+39.41%) Homeowner's exemption$250,000 (+85.19%)$250,000 (+85.19%) Land $250,000
2023$5,527.00$135,000$135,000 Land $135,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090206062, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 252 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies350 units insured
98 under condo master policies
Nearby Flood Claims17 (2012–2024)
Claims Outside the SFHA1 of 17
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Irma, Sep 2017 · 4 claims
  • Hurricane Matthew, Oct 2016 · 6 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 132 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
Hotwire CommunicationsFiber1,000 / 200
VerizonFixed Wireless300 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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