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

St. Johns County property record for 197 Monte Carlo Ct, Saint Augustine, FL 32084

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,525 sqft · built 2007
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Company Names on Record
Last Sale	$265,000 (Sep 2023)
Tax Bill	$2,975 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`086531-0010`

Property Details

APN / Parcel Number

Primary APN	`086531-0010`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,525 sqft Living Area
Gross Area	1,958 sqft
1st Floor Area	684 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch
Porch Area	185 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	197 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 1 OR5823/652 & 6014/308(Q/C)
Legal Range	29E
Legal Township	07S
Legal Section	05
Legal Subdivision	NORTH TUSCANY VILLAGE
Legal Block	4
Legal Lot Number	1
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	2 Company Names on Record
Mailing Address	197 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Sep 3, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 11, 2023	Warranty Deed, Transfer · Conventional Mortgage A&D MORTGAGE LLC
Feb 25, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
May 25, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2023 · Amount on Record
Deed Sale	Sep 11, 2023 · Amount on Record
Prior Sale	May 25, 2018 · Amount on Record
Deed Document Number	202371685
Deed Book / Page	5823 / 652
Last Transfer Date	Aug 16, 2024
Transfer Doc	0060140308
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	197 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587

Mortgage

Document Number	0053021695
Date	Jun 28, 2021
Book Page	5302/1695
Instrument	2021071737

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

September 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Sep 3, 2024
Property Address	197 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587
Document Number	0060140308
Book / Page	6014 / 308
Map Reference	MB 58 PG 9-12
Instrument Date	Aug 16, 2024
Instrument	2024069641
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	197 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	197 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 11, 2023
Property Address	197 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587
Document Number	0058230652
Book / Page	5823 / 652
Map Reference	MB 58 PG 9-12
Instrument Date	Sep 8, 2023
Instrument	2023071685
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	HILCOAST TITLE INSURANCE AGENCY INC, COAST TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 WILDWOOD DR # 53, 53, SAINT AUGUSTINE, FL 32086-5807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587

Mortgage

Document Number	0005823654
Date	Sep 11, 2023
Instrument	5823/654

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	197 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587
Document Number	0048931208
Instrument Date	Feb 25, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 MONTE CARLO CT ST AUGUSTINE FL 320842587, ST AUGUSTINE, FL 32084-2587

Mortgage

Document Number	0048931208
Date	Mar 2, 2020
Book Page	004893/001208
Instrument	16722

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 25, 2018
Property Address	197 MONTE CARLO CT, SAINT AUGUSTINE, FL 32084-2587
Document Number	0045521776
Book / Page	4552 / 1776
Map Reference	MB58 PG9-12
Instrument Date	May 22, 2018
Instrument	2018036360
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	276 CAROLINA FARMS BLVD, 276, MYRTLE BEACH, SC 29579-3214

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 MONE CARLO CT, SAINT AUGUSTINE, FL 32084-2587

Mortgage

Document Number	2018036361
Date	May 25, 2018
Instrument	2018036361

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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		$209,880 (-10.33%) Land $50,000 Building $159,880	$209,880 (-10.33%) Land $50,000 Building $159,880
2025	$2,975.00 (+7.95%) Homeowner's exemption	$234,069 (-1.71%)	$234,069 (-1.71%) Land $45,000 Building $189,069
2024	$2,756.00 (+59.77%) Homeowner's exemption	$238,132 (+53.86%)	$238,132 (-0.67%) Land $55,000 Building $183,132
2023	$1,725.00 (+3.79%) Homeowner's exemption	$154,767 (+3%)	$239,727 (+22.29%) Land $55,000 Building $184,727
2022	$1,662.00 Homeowner's exemption	$150,259	$196,024 Land $47,040 Building $148,984

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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