2709 Loja St, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 2709 Loja St, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,957 sqft · built 2014
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$1,159,000 (May 2023)
Tax Bill	$14,630 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`148843-0090`

Property Details

APN / Parcel Number

Primary APN	`148843-0090`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,957 sqft Living Area
Gross Area	3,463 sqft
1st Floor Area	602 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Carport
Garage Area	1,203 sqft
Carport	Carport
Carport Area	1,203 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	1,039 sqft
Deck Area	120 sqft
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2709 LOJA ST
City	SAINT AUGUSTINE
State	FL
Zip	32084-2938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	15/1-9 PORPOISE POINT LOT 9 BLK 3 OR5765/1321
Legal Range	30E
Legal Township	07S
Legal Section	09
Legal Subdivision	PORPOISE POINT
Legal Tract	3838
Legal Block	3
Legal Lot Number	9
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1011
Census Tract	20603

Owner

Source: St. Johns County records · APN 148843-0090

Assessment roll updated April 13, 2026 · Last verified April 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	2709 LOJA ST, SAINT AUGUSTINE, FL 32084-2938
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 30, 2023 · Amount on Record
Deed Sale	May 30, 2023 · Amount on Record
Prior Sale	Jan 20, 2015 · Amount on Record
Deed Document Number	202341292
Deed Book / Page	5765 / 1321
Prior Transfer Date	Jan 17, 2014
Prior Transfer Doc	0038381577
Record Updated	Jun 08, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 30, 2023
Property Address	2709 LOJA ST, SAINT AUGUSTINE, FL 32084-2938
Document Number	0057651321
Book / Page	5765 / 1321
Map Reference	MB 15 PG 1-9
Instrument Date	May 15, 2023
Instrument	2023041292
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,113.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	266 DARTMOUTH RD, SAINT AUGUSTINE, FL 32086-6012

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2709 LOJA ST, ST AUGUSTINE, FL 32084-2938

Mortgage

Document Number	0057651323
Date	May 30, 2023
Instrument	5765/1323

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.47%
Type Change Date	Jun 01, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.4%
Index	Other
Margin	3
Max Rate	10.4%

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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		$1,205,411 (+10.24%)	$1,213,401 (+9.36%) Land $325,000 Building $888,401
2025	$14,630.00 (+11.01%) Homeowner's exemption	$1,093,471 (+2.9%)	$1,109,576 (+4.42%) Land $325,000 Building $784,576
2024	$13,179.00 (+57.49%) Homeowner's exemption	$1,062,654 (+57.63%)	$1,062,654 (-2.8%) Land $300,000 Building $762,654
2023	$8,368.00 (+2.5%) Homeowner's exemption	$674,134 (+3%)	$1,093,222 (+30.01%) Land $300,000 Building $793,222
2022	$8,164.00 Homeowner's exemption	$654,499	$840,897 Land $224,000 Building $616,897

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 212 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	264 units insured incl. 52 condo units
Nearby Flood Claims	54 (1995–2025)
Claims Outside the SFHA	1 of 54
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Nicole, Nov 2022 · 3 claims Hurricane Irma, Sep 2017 · 15 claims Hurricane Matthew, Oct 2016 · 26 claims

Wildfire

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Based on FCC filings for 186 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HOMEOWNERS UTILITIES INC. private · serves 345 people
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	13 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.