2605 Torino Way, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 2605 Torino Way, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,552 sqft · built 2010
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Dec 2017)
Tax Bill	$3,568 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`028685-2700`

Property Details

APN / Parcel Number

Primary APN	`028685-2700`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,552 sqft Living Area
Gross Area	3,354 sqft
1st Floor Area	2,200 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	531 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2605 TORINO WAY
City	SAINT AUGUSTINE
State	FL
Zip	32092-4785
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	54/56-69 MURABELLA UNIT 2 LOT 270 OR4481/1049
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	MURABELLA UNIT 2
Legal Block	1
Legal Lot Number	270
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1009
Census Tract	20906

Owner

2605 Torino Way is owned and occupied by two individuals who bought it in December 2017.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2605 TORINO WAY, SAINT AUGUSTINE, FL 32092-4785
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
May 12, 2021	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 20, 2020	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Dec 26, 2017	Warranty Deed, Transfer · VA Mortgage SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2017 · Amount on File
Deed Sale	Dec 26, 2017 · Amount on File
Prior Sale	Dec 14, 2010 · Amount on File
Deed Document Number	201786996
Deed Book / Page	4481 / 1049
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	2605 TORINO WAY, SAINT AUGUSTINE, FL 32092-4785
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2605 TORINO WAY, SAINT AUGUSTINE, FL 32092-4785

Mortgage

Document Number	0058201870
Date	Sep 6, 2023
Book Page	5820/1870
Instrument	2023070430

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	2605 TORINO WAY, SAINT AUGUSTINE, FL 32092-4785
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2605 TORINO WAY, SAINT AUGUSTINE, FL 32092-4785

Mortgage

Document Number	0052630779
Date	May 12, 2021
Book Page	5263/779
Instrument	2021053496

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2046

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	2605 TORINO WAY, SAINT AUGUSTINE, FL 32092-4785
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049260672
Date	Apr 20, 2020
Book Page	4926/672
Instrument	2020030472

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	301 Months
Due	May 1, 2045

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 26, 2017
Property Address	2605 TORINO WAY, SAINT AUGUSTINE, FL 32092-4785
Document Number	0044811049
Book / Page	4481 / 1049
Map Reference	MB54 PG56-69
Instrument Date	Dec 20, 2017
Instrument	2017086996
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	SHEFFIELD & BOATRIGHT TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 SPLIT OAK RD, 265, SAINT AUGUSTINE, FL 32092-5483

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2605 TORINO WAY, SAINT AUGUSTINE, FL 32092-4785
Investor	Possibly a Property Investor

Mortgage

Document Number	2017086997
Date	Dec 26, 2017
Instrument	2017086997

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2605 Torino Way was $3,568 with a veteran's exemption, up 5.1% from the year before.

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		$310,807 (+2.7%)	$448,687 (-2.4%) Land $110,000 Building $338,687
2025	$3,568.00 (+5.06%) Disabled Person's exemption Veteran's exemption	$302,636 (+3.61%)	$459,725 (-1.89%) Land $110,000 Building $349,725
2024	$3,396.00 (+5.66%) Disabled Person's exemption Veteran's exemption	$292,101 (+3%)	$468,601 (-0.49%) Land $105,000 Building $363,601
2023	$3,214.00 (+3.21%) Disabled Person's exemption Veteran's exemption	$283,593 (+3%)	$470,886 (+9.9%) Land $89,600 Building $381,286
2022	$3,114.00 Disabled Person's exemption Veteran's exemption	$275,333	$428,458 Land $89,600 Building $338,858

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

Flood

FEMA maps place 2605 Torino Way in Zone X, an area of minimal flood risk.

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 File median of 62 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 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

Wildfire risk around 2605 Torino Way is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 305 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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