176 Montserrat Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 176 Montserrat Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,301 sqft · built 2021
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$377,500 (Aug 2021)
Tax Bill	$5,886 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027442-2310`

Property Details

APN / Parcel Number

Primary APN	`027442-2310`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,301 sqft Living Area
Gross Area	2,950 sqft
1st Floor Area	2,301 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	176 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 231 OR5343/1992
Legal Range	28E
Legal Township	06S
Legal Section	36
Legal Subdivision	WINDWARD RANCH PHASE TWELVE
Legal Block	1
Legal Lot Number	231
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

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	176 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1189
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 16, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2021 · Amount on Record
Deed Sale	Aug 16, 2021 · Amount on Record
Deed Document Number	202190209
Deed Book / Page	5343 / 1992
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	176 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1189
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056510272
Date	Oct 19, 2022
Book Page	5651/272
Instrument	2022097470

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

August 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 16, 2021
Property Address	176 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1189
Document Number	0053431992
Book / Page	5343 / 1992
Map Reference	MB 94 PG 30
Instrument Date	Aug 13, 2021
Instrument	2021090209
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,642.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 7, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 MONTSERRAT DR, ST AUGUSTINE, FL 32092-1189

Mortgage

Document Number	0000053441
Date	Aug 16, 2021
Instrument	5344/1

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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		$384,413 (-6.76%) Land $100,000 Building $284,413	$384,413 (-6.76%) Land $100,000 Building $284,413
2025	$5,886.00 (+6.9%)	$412,266 (-2.98%)	$412,266 (-2.98%) Land $100,000 Building $312,266
2024	$5,506.00 (+9.35%)	$424,933 (+12.82%)	$424,933 (+12.82%) Land $100,000 Building $324,933
2023	$5,035.00 (+3.6%)	$376,661 (+4.23%)	$376,661 (+4.23%) Land $90,720 Building $285,941
2022	$4,860.00	$361,358	$361,358 Land $84,000 Building $277,358

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 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

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 53% of the US · lower than 76% 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	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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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