23 Montserrat Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 23 Montserrat Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,716 sqft · built 2021
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$429,900 (Jun 2023)
Tax Bill	$4,633 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`027442-2110`

Property Details

APN / Parcel Number

Primary APN	`027442-2110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,716 sqft Living Area
Gross Area	2,382 sqft
1st Floor Area	1,716 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	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	23 MONTSERRAT DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-1188
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	94/30-41 WINDWARD RANCH PHASE TWELVE LOT 211 OR5773/1323
Legal Range	28E
Legal Township	06S
Legal Section	36
Legal Subdivision	WINDWARD RANCH PHASE TWELVE
Legal Block	1
Legal Lot Number	211
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	23 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1188
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Jun 12, 2023	Warranty Deed, Transfer · VA Mortgage BAYWAY MORTGAGE GROUP
Apr 28, 2021	Special Warranty Deed, Subdivision Related Transfer LENNAR TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2023 · Amount on Record
Deed Sale	Jun 12, 2023 · Amount on Record
Prior Sale	Apr 28, 2021 · Amount on Record
Deed Document Number	202345296
Deed Book / Page	5429 / 1323
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	23 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1188
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1188

Mortgage

Document Number	0055531525
Date	May 6, 2022
Book Page	5553/1525
Instrument	2022046814

Lender

Name	AMERIS BANK
Type	Bank
Address	SAINT AUGUSTINE, FL 32084

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Apr 28, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 12, 2023
Property Address	23 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1188
Document Number	0057731323
Book / Page	5773 / 1323
Map Reference	MB 94 PG 30-41
Instrument Date	May 22, 2023
Instrument	2023045296
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,009.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1188

Mortgage

Document Number	0057731325
Date	Jun 12, 2023
Instrument	5773/1325

Lender

Name	BAYWAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

April 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 28, 2021
Property Address	23 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1188
Document Number	0052500243
Book / Page	5250 / 243
Map Reference	MB 94 PG 30
Instrument Date	Apr 27, 2021
Instrument	2021047318
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Tax	$2,125.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9400 PHILIPS HWY # 7, 7, JACKSONVILLE, FL 32256-1314

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	23 MONTSERRAT DR, ST AUGUSTINE, FL 32092-1188

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		$333,298 (-6.89%) Land $100,000 Building $233,298	$333,298 (-6.89%) Land $100,000 Building $233,298
2025	$4,633.00 (+5.8%) Homeowner's exemption	$357,944 (-2.84%)	$357,944 (-2.84%) Land $100,000 Building $257,944
2024	$4,379.00 (+22.83%) Homeowner's exemption	$368,424 (+20.7%)	$368,424 (+13.93%) Land $100,000 Building $268,424
2023	$3,565.00 (+1.31%) Homeowner's exemption Widower's exemption	$305,239 (+3%)	$323,372 (+5.16%) Land $90,720 Building $232,652
2022	$3,519.00 Homeowner's exemption Widower's exemption	$296,349	$307,508 Land $84,000 Building $223,508

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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