St. Johns County property record for 164 Montserrat Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,126 sqft · built 2021 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $346,500 (Aug 2021) |
| Tax Bill | $4,832 (2025) |
| Deeds & Mortgages | Nov 2023 Second Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 027442-2300 |
| Primary APN | 027442-2300 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,126 sqft Living Area |
| Gross Area | 2,700 sqft |
| 1st Floor Area | 2,126 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 414 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 164 MONTSERRAT DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-1189 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 94/30-41 WINDWARD RANCH PHASE TWELVE LOT 230 OR5343/1900 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 36 |
| Legal Subdivision | WINDWARD RANCH PHASE TWELVE |
| Legal Block | 1 |
| Legal Lot Number | 230 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 20906 |
Source: St. Johns County records · APN 027442-2300
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 164 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1189 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 02, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Aug 16, 2021 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage LENNAR MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 16, 2021 · Amount on Record |
| Deed Sale | Aug 16, 2021 · Amount on Record |
| Deed Document Number | 202190188 |
| Deed Book / Page | 5343 / 1900 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 164 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1189 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 164 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1189 |
| Document Number | 0058510488 |
|---|---|
| Date | Nov 02, 2023 |
| Book Page | 5851/488 |
| Instrument | 2023086323 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 01, 2043 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 16, 2021 |
| Property Address | 164 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1189 |
| Document Number | 0053431900 |
| Book / Page | 5343 / 1900 |
| Map Reference | MB 94 PG 30 |
| Instrument Date | Aug 13, 2021 |
| Instrument | 2021090188 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,425.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9440 PHILIPS HWY STE 7, 7, JACKSONVILLE, FL 32256-1339 |
| Name | Verified Name |
|---|---|
| Address | 164 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1189 |
| Document Number | 0053431904 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | 5343/1904 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $364,624 (-2.18%) Land $100,000 Building $264,624 | $364,624 (-7.05%) Land $100,000 Building $264,624 | |
| 2025 | $4,832.00 (+12.35%) Homeowner's exemption | $372,743 (+2.9%) | $392,259 (-2.88%) Land $100,000 Building $292,259 |
| 2024 | $4,301.00 (+1.97%) Homeowner's exemption | $362,238 (+3%) | $403,877 (+12.78%) Land $100,000 Building $303,877 |
| 2023 | $4,218.00 (+2.83%) Homeowner's exemption | $351,687 (+3%) | $358,123 (+4.88%) Land $90,720 Building $267,403 |
| 2022 | $4,102.00 Homeowner's exemption | $341,444 | $341,444 Land $84,000 Building $257,444 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 74 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 74 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2024 · other causes |
| Wildfire Risk | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 250 |
May also be available: Verizon.
Based on FCC filings for 200 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SJCU-CR214 MAINLAND WTP serves 66,953 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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