246 Sophia Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 246 Sophia Ter, Saint Augustine, FL 32095 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,599 sqft · built 2003
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Last Sale	$835,000 (Sep 2021)
Tax Bill	$15,010 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`072076-0400`

Property Details

APN / Parcel Number

Primary APN	`072076-0400`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	21 Plumbing Fixtures
Stories	1 Story
Building Area	3,599 sqft Living Area
Gross Area	4,462 sqft
1st Floor Area	3,157 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Attached
Garage Area	743 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished Screened Porch
Porch Area	1,266 sqft
Patio Area	694 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	246 SOPHIA TER
City	SAINT AUGUSTINE
State	FL
Zip	32095-6812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	43/3-6 MARSHALL CREEK DRI UNIT SV-4 LOT 40 OR5362/177
Legal Range	29E
Legal Township	06S
Legal Section	03
Legal Subdivision	MARSHALL CREEK DRI UNIT SV-4
Legal Block	4
Legal Lot Number	40
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4028
Census Tract	20606

Owner

Source: St. Johns County records · APN 072076-0400

Assessment roll updated April 13, 2026 · Last verified June 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 File
Mailing Address	246 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 07, 2026	Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION
Sep 08, 2021	Warranty Deed, Transfer · Conventional Mortgage SUPERIOR NATIONAL BANK
Jul 17, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 08, 2021 · Amount on Record
Deed Sale	Sep 08, 2021 · Amount on Record
Prior Sale	Jul 01, 2017
Deed Document Number	202198212
Deed Book / Page	5362 / 177
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Apr 07, 2026
Property Address	246 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6812
Document Number	0000029271
Book / Page	6338 / 1888
Instrument Date	Mar 30, 2026
Instrument	202629271
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	246 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6812
Investor	Possibly a Property Investor

Mortgage

Document Number	0000029271,
Date	Apr 07, 2026
Book Page	6338/1888
Instrument	202629271

Lender

Name	MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Mar 30, 2051

Interest

Rate	5.98%
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 08, 2021
Property Address	246 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6812
Document Number	0053620177
Book / Page	5362 / 177
Map Reference	MB 43 PG 3-6
Instrument Date	Sep 03, 2021
Instrument	2021098212
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,845.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	124 PINE BLUFF DR, SAINT AUGUSTINE, FL 32092-1715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	246 SOPHIA TER, ST AUGUSTINE, FL 32095-6812
Investor	Possibly a Property Investor

Mortgage

Document Number	0005362181
Date	Sep 08, 2021
Instrument	5362/181

Lender

Name	SUPERIOR NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 17, 2017
Property Address	246 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6812
Document Number	0044050102
Book / Page	004405 / 000102
Instrument Date	Jul 12, 2017
Instrument	48870
Transaction Type	Transfer
Record Updated	Aug 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	246 SOPHIA TER ST AUGUSTINE FL 320956812, ST AUGUSTINE, FL 32095-6812

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$797,273 (-6.42%) Land $210,000 Building $587,273	$797,273 (-7.35%) Land $210,000 Building $587,273
2025	$15,010.00 (+9.02%) Homeowner's exemption	$851,932 (+2.9%)	$860,478 (+2.03%) Land $225,000 Building $635,478
2024	$13,768.00 (+2.34%) Homeowner's exemption	$827,922 (+3%)	$843,340 (-1.7%) Land $225,000 Building $618,340
2023	$13,453.00 (+1.8%) Homeowner's exemption	$803,808 (+3%)	$857,948 (+9.94%) Land $225,000 Building $632,948
2022	$13,215.00 Homeowner's exemption	$780,396	$780,396 Land $196,000 Building $584,396

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090206064, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 249 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	249 in force
Nearby Flood Claims	3 (2016–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2022, rainfall accumulation, Hurricane Nicole

Wildfire

Wildfire Risk	Low above 35% of the US · above 10% of Florida
Wildfire Likelihood	About 1 in 2,439 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 191 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Fiber	2,000 / 2,000

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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