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191 Tesoro Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 191 Tesoro Ter, Saint Augustine, FL 32095 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms3.5 Baths
Year BuiltBuilt 2024
Square Footage3,235 sqft Living Area
Lot Size15,246 sqft (0.35 acres)
OccupancyOwner Occupied
Last Sale$1,203,100 (2024)
Tax Bill$20,974.00 (2025)

Property Details

APN / Parcel Number

Primary APN073433-0480

Interior

Bedrooms5 Beds
Full Baths3.5 Baths
Partial Baths1 Partial Baths
Plumbing Fixtures17 Plumbing Fixtures
Building Area3,235 sqft Living Area
Gross Area3,899 sqft Gross Area
1st Floor2,493 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialConcrete Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area15,246 sqft (0.35 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area664 sqft Garage
Porch Area166 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address191 TESORO TER
CitySAINT AUGUSTINE
StateFL
Zip32095-1685
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description113/35-48 MADEIRA AT ST AUGUSTINE PHASE 1C LOT 48 OR6004/1787
Legal SubdivisionMADEIRA AT ST AUGUSTINE PHASE 1C
Legal Block1
Legal Lot Number48
JurisdictionST JOHNS FL
Minor Civil DivisionST. AUGUSTINE
Census Blockgroup2
Census Block2043
Census Tract20606

Owner

Source: St. Johns County records · APN 073433-0480

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 RecordIndividual Name on File
Mailing Address191 TESORO TER, SAINT AUGUSTINE, FL 32095-1685
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingSingle Man

Deeds, Mortgages & Sale History

DateDocument
Oct 02, 2025Deed of Trust, Mortgage · Conventional Mortgage
ALLIANT CU
Apr 07, 2025Deed of Trust, Mortgage · Conventional Mortgage
GUILD MORTGAGE CO
Feb 09, 2026Special Warranty Deed, Subdivision Related Transfer
SEA GLASS TITLE LLC
Aug 16, 2024Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
AMERIS BANK
Aug 09, 2023Special Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 16, 2024 · Amount on Record
Deed SaleAug 16, 2024 · Amount on Record
Prior SaleAug 09, 2023 · Amount on Record
Deed Doc Number202465060
Deed Book / Page6004 / 1787
Record RefreshedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address191 TESORO TER, SAINT AUGUSTINE, FL 32095-1685
Transaction TypeMortgage
Record UpdatedFeb 20, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address191 TESORO TER, ST AUGUSTINE, FL 32095-1685

Mortgage

Document Number0062311864
DateOct 02, 2025
Book Page6231/1864
Instrument2025080719
Lender
NameALLIANT CU
TypeCredit Union
AddressCHICAGO, IL 60666
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2055
Interest
Rate TypeAdjustable Rate
Rate6%
Type Change DateOct 01, 2030
Change Frequency6 Months
Min Rate At Change4%
Max Rate At Change8%
IndexSOFR Average 30-Day
Max Rate11%

April 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address191 TESORO TER, SAINT AUGUSTINE, FL 32095-1685
Transaction TypeMortgage
Record UpdatedFeb 20, 2026
Title CompanyLANDMARK TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address191 TESORO TER, SAINT AUGUSTINE, FL 32095-1685

Mortgage

Document Number0061270833
DateApr 07, 2025
Book Page6127/833
Instrument2025027112
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
AddressSAN DIEGO, CA 92111
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2055

February 2026: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 09, 2026
Property Address191 TESORO TER, SAINT AUGUSTINE, FL 32095-1685
Document Number0063020876
Book / Page6302 / 876
Map ReferenceMB 123 PG 80-85
Instrument DateFeb 06, 2026
Instrument2026010899
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 20, 2026
Title CompanySEA GLASS TITLE LLC

Transaction

AmountAmount Recorded
Tax$3,430.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address200 BUSINESS PARK CIR # CIR105, CIR105, ST AUGUSTINE, FL 32095-8822

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address254 LAMEGO LN, ST AUGUSTINE, FL 32095-1666

August 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateAug 16, 2024
Property Address191 TESORO TER, SAINT AUGUSTINE, FL 32095-1685
Document Number0060041787
Book / Page6004 / 1787
Map ReferenceMB 113 PG 35-48
Instrument DateAug 15, 2024
Instrument2024065060
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 20, 2026
Title CompanySEA GLASS TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$8,421.70
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address200 BUSINESS PARK CIR # CIR105, CIR105, ST AUGUSTINE, FL 32095-8822

Transferred To (Grantee/Buyer)

NameVerified Name
Address191 TESORO TER, ST AUGUSTINE, FL 32095-1685

Mortgage

Document Number2024065061
DateAug 16, 2024
Instrument2024065061
Lender
NameAMERIS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2054
Interest
Rate TypeFixed Rate
Rate8.62%
Type Change DateSep 01, 2031
Change Frequency6 Months
Min Rate At Change4.5%
Max Rate At Change13.6%
IndexSOFR Average 30-Day
Max Rate13.6%

August 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateAug 09, 2023
Property Address191 TESORO TER, SAINT AUGUSTINE, FL 32095-1685
Document Number0058070197
Book / Page5807 / 197
Map ReferenceMB 113 PG 35-48
Instrument DateAug 03, 2023
Instrument2023062702
Transaction TypeTransfer
Record UpdatedFeb 20, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$6,755.70
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

NameVerified Name
Address200 BUSINESS PARK CIR STE 105, 105, ST AUGUSTINE, FL 32095-8824
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$888,072 (-8%) Land $175,000 Building $713,072$888,072 (-16.99%) Land $175,000 Building $713,072
2025$20,974.00 (+172.21%) Homeowner's exemption$965,299 (+286.12%)$1,069,846 (+327.94%) Land $250,000 Building $819,846
2024$7,705.00 (+39.41%)$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 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation7.0 ft
CoastalYes

Wildfire

Wildfire RiskLow
above 38% of the US · above 12% of Florida
Wildfire LikelihoodAbout 1 in 2,564 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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