St. Johns County property record for 120 Fonseca Dr, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,548 sqft · built 2004 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Jul 2014) |
| Tax Bill | $4,268 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 284193-0120 |
| Primary APN | 284193-0120 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,548 sqft Living Area |
| Gross Area | 3,136 sqft |
| 1st Floor Area | 2,209 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 188 sqft |
| Deck Area | Deck Area |
| Patio Area | 680 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 120 FONSECA DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-8864 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 36/97-100 ST AUGUSTINE SHORES UNIT 8 REPLAT LOT 12 BLK 193 OR3911/594 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 44 |
| Legal Subdivision | ST. AUGUSTINE SHORES UNIT 8 REPLAT |
| Legal Block | 193 |
| Legal Lot Number | 12 |
| Legal Unit | 8 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 21208 |
120 Fonseca Dr is owned and occupied by two individuals who bought it in July 2014.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 FONSECA DR, SAINT AUGUSTINE, FL 32086-8864 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 26, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Jun 24, 2022 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2014 · Amount on File |
| Deed Sale | Jul 31, 2014 · Amount on File |
| Prior Sale | Oct 27, 2004 · Amount on File |
| Deed Document Number | 201444229 |
| Deed Book / Page | 3911 / 594 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 120 FONSECA DR, SAINT AUGUSTINE, FL 32086-8864 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 120 FONSECA DR, SAINT AUGUSTINE, FL 32086-8864 |
| Document Number | 0053260435 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | 5326/435 |
| Instrument | 2021082155 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 120 FONSECA DR, SAINT AUGUSTINE, FL 32086-8864 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 120 FONSECA DR, SAINT AUGUSTINE, FL 32086-8864 |
| Document Number | 0055851453 |
|---|---|
| Date | Jun 24, 2022 |
| Book Page | 5585/1453 |
| Instrument | 2022063181 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 350 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 120 Fonseca Dr was $4,268 with a homeowner's exemption, up 12.6% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $339,817 (+2.7%) | $494,334 (-4.77%) Land $99,500 Building $394,834 | |
| 2025 | $4,268.00 (+12.58%) Homeowner's exemption | $330,883 (+2.9%) | $519,105 (+4.56%) Land $99,500 Building $419,605 |
| 2024 | $3,791.00 (+1.99%) Homeowner's exemption | $321,558 (+3%) | $496,464 (-0.66%) Land $107,000 Building $389,464 |
| 2023 | $3,717.00 (+2.91%) Homeowner's exemption | $312,192 (+3%) | $499,774 (+9.81%) Land $107,000 Building $392,774 |
| 2022 | $3,612.00 Homeowner's exemption | $303,099 | $455,118 Land $84,000 Building $371,118 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Fonseca Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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 File median of 52 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 52 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
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 risk around 120 Fonseca Dr is moderate, ranking above 68% 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 68% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 143 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
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