209 Tropic Way, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 209 Tropic Way, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,655 sqft · built 1977
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Mar 2020)
Tax Bill	$2,973 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`175825-0390`

Property Details

APN / Parcel Number

Primary APN	`175825-0390`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,655 sqft Living Area
1st Floor Area	1,064 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2003
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	339 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	288 sqft
Porch	Finished/Open Porch
Porch Area	315 sqft
Deck Area	Deck Area
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	209 TROPIC WAY
City	SAINT AUGUSTINE
State	FL
Zip	32080-6470
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	12/93-94 SURFWIND ESTATES SUBDIVISION LOT 39 OR4905/1277
Legal Range	30E
Legal Township	08S
Legal Section	15
Legal Subdivision	SURFWIND ESTATES SUBDIVISION
Legal Block	2
Legal Lot Number	39
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2013
Census Tract	21404

Owner

Source: St. Johns County records, as of August 4, 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	209 TROPIC WAY, SAINT AUGUSTINE, FL 32080-6470
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jul 6, 2021	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Mar 19, 2020	Warranty Deed, Transfer · FHA Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2020 · Amount on Record
Deed Sale	Mar 19, 2020 · Amount on Record
Prior Sale	Aug 4, 2016 · Amount on Record
Deed Document Number	202022338
Deed Book / Page	4905 / 1277
Prior Transfer Date	Jun 17, 2013
Prior Transfer Doc	0037470748
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	209 TROPIC WAY, SAINT AUGUSTINE, FL 32080-6470
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 TROPIC WAY, SAINT AUGUSTINE, FL 32080-6470

Mortgage

Document Number	0056100326
Date	Aug 3, 2022
Book Page	5610/326
Instrument	2022075507

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	209 TROPIC WAY, SAINT AUGUSTINE, FL 32080-6470
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 TROPIC WAY, SAINT AUGUSTINE, FL 32080-6470

Mortgage

Document Number	0053091537
Date	Jul 6, 2021
Book Page	5309/1537
Instrument	2021074456

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Apr 1, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 19, 2020
Property Address	209 TROPIC WAY, SAINT AUGUSTINE, FL 32080-6470
Document Number	0049051277
Book / Page	4905 / 1277
Map Reference	MB 12 PG 93&94
Instrument Date	Mar 16, 2020
Instrument	2020022338
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 SPRING VALLEY WAY, 112, ASTON, PA 19014-1452

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 TROPIC WAY, ST AUGUSTINE, FL 32080-6470

Mortgage

Document Number	49051279
Date	Mar 19, 2020
Instrument	4905/1279

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

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		$261,429 (+11.76%)	$470,610 (-1.05%) Land $140,000 Building $330,610
2025	$2,973.00 (+13.47%) Homeowner's exemption	$233,916 (+2.9%)	$475,617 (+7.09%) Land $140,000 Building $335,617
2024	$2,620.00 (+2.1%) Homeowner's exemption	$227,324 (+3%)	$444,121 (+4%) Land $130,000 Building $314,121
2023	$2,566.00 (+3.26%) Homeowner's exemption	$220,703 (+3%)	$427,023 (+19.37%) Land $130,000 Building $297,023
2022	$2,485.00 Homeowner's exemption	$214,275	$357,729 Land $117,600 Building $240,129

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 703 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	781 units insured incl. 78 condo units
Nearby Flood Claims	418 (1986–2024)
Claims Outside the SFHA	11 of 418
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 39 claims Hurricane Irma, Sep 2017 · 72 claims Hurricane Matthew, Oct 2016 · 232 claims

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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 463 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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