185 Monte Carlo Ct, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 185 Monte Carlo Ct, Saint Augustine, FL 32084

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,420 sqft · built 2007
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on Record
Last Sale	$100 (Jan 2017)
Tax Bill	$1,306 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Apr 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`086531-0040`

Property Details

APN / Parcel Number

Primary APN	`086531-0040`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,420 sqft Living Area
Gross Area	1,879 sqft
1st Floor Area	642 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,742 sqft (0.04 acres)
Garage Type	Attached
Garage Area	299 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch
Porch Area	204 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	185 MONTE CARLO CT
City	SAINT AUGUSTINE
State	FL
Zip	32084-2587
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	58/9-12 NORTH TUSCANY VILLAGE LOT 4 OR4081/767 &4321/28(L/E) & 4493/989(Q/C)
Legal Range	29E
Legal Township	07S
Legal Section	05
Legal Subdivision	NORTH TUSCANY VILLAGE
Legal Block	4
Legal Lot Number	4
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4000
Census Tract	20904

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	185 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2025	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Apr 6, 2019	Deed of Trust, Mortgage · Conventional with PMI VYSTAR CU
Feb 14, 2018	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jan 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 24, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 1, 2017 · Amount on Record
Deed Sale	Jan 1, 2017 · Amount on Record
Prior Sale	Sep 4, 2015 · Amount on Record
Deed Book / Page	4321 / 28
Prior Transfer Date	Sep 20, 2011
Prior Transfer Doc	0034771265
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	185 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587

Mortgage

Document Number	0061950016
Date	Aug 1, 2025
Book Page	6195/16
Instrument	2025061711

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	185 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587
Document Number	0047080031
Instrument Date	Apr 6, 2019
Transaction Type	Mortgage
Record Updated	Apr 29, 2019
Title Company	VYSTAR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 MONTE CARLO CT ST AUGUSTINE FL 320842587, ST AUGUSTINE, FL 32084-2587

Mortgage

Document Number	0047080031
Date	Apr 12, 2019
Book Page	004708/000031
Instrument	24927

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	185 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587
Document Number	0045051289
Instrument Date	Feb 14, 2018
Transaction Type	Mortgage
Record Updated	Mar 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 MONTE CARLO CT ST AUGUSTINE FL 320842587, ST AUGUSTINE, FL 32084-2587

Mortgage

Document Number	0045051289
Date	Feb 21, 2018
Book Page	004505/001289
Instrument	11430

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 20, 2028

Interest

Rate Type	Adjustable Rate

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 23, 2018
Property Address	185 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587
Document Number	0044930989
Book / Page	004493 / 000989
Instrument Date	Jan 8, 2018
Instrument	4833
Transaction Type	Transfer
Record Updated	Feb 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 MONTE CARLO CT ST AUGUSTINE FL 320842587, ST AUGUSTINE, FL 32084-2587

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 24, 2017
Property Address	185 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587
Document Number	0043210028
Book / Page	004321 / 000028
Instrument Date	Jan 18, 2017
Instrument	5379
Transaction Type	Transfer
Record Updated	Feb 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1500 WESTDALE AVE WINTER PARK FL 327926025, WINTER PARK, FL 32792-6025

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		$139,641 (+2.7%)	$202,787 (-9.28%) Land $50,000 Building $152,787
2025	$1,306.00 (+21.38%) Homeowner's exemption Senior Citizen's exemption	$135,970 (+2.9%)	$223,523 (-1.88%) Land $45,000 Building $178,523
2024	$1,076.00 (+3.26%) Homeowner's exemption Senior Citizen's exemption	$132,138 (+3%)	$227,813 (-1.82%) Land $55,000 Building $172,813
2023	$1,042.00 (+5.68%) Homeowner's exemption Senior Citizen's exemption	$128,289 (+3%)	$232,028 (+22.27%) Land $55,000 Building $177,028
2022	$986.00 Homeowner's exemption Senior Citizen's exemption	$124,552	$189,769 Land $47,040 Building $142,729

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach

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 209 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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