275 Sophia Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 275 Sophia Ter, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,465 sqft · built 2024
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Company Names on Record
Last Sale	$256,500 (Mar 2022)
Tax Bill	$18,468 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2023 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`072076-0220`

Property Details

APN / Parcel Number

Primary APN	`072076-0220`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	21 Plumbing Fixtures
Stories	1 Story
Building Area	3,465 sqft Living Area
Gross Area	4,317 sqft
1st Floor Area	3,465 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
Garage Area	852 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	275 SOPHIA TER
City	SAINT AUGUSTINE
State	FL
Zip	32095-8833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	43/3-6 MARSHALL CREEK DRI UNIT SV-4 LOT 22 OR5508/583 &6077/53 (T/R)
Legal Range	29E
Legal Township	06S
Legal Section	03
Legal Subdivision	MARSHALL CREEK DRI UNIT SV-4
Legal Block	4
Legal Lot Number	22
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4027
Census Tract	20606

Owner

Source: St. Johns County records, as of September 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	275 SOPHIA TER, SAINT AUGUSTINE, FL 32095-8833
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEXUS SERIES B LLC
Sep 1, 2023	Deed of Trust, Mortgage · Construction Mortgage NORTHPOINTE BANK
Oct 28, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Dec 31, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 4, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2022 · Amount on Record
Deed Sale	Mar 4, 2022 · Amount on Record
Prior Sale	Oct 9, 2013 · Amount on Record
Deed Document Number	202224057
Deed Book / Page	5508 / 583
Last Transfer Date	Dec 30, 2024
Transfer Doc	0060770053
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Sep 8, 2026
Property Address	275 SOPHIA TER, SAINT AUGUSTINE, FL 32095-8833
Document Number	0000076732
Book / Page	6433 / 1016
Instrument Date	Aug 31, 2026
Instrument	202676732
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust, 222
Address	275 SOPHIA TER, SAINT AUGUSTINE, FL 32095-8833

Mortgage

Document Number	0000076732,
Date	Sep 8, 2026
Book Page	6433/1016
Instrument	202676732

Lender

Name	NEXUS SERIES B LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	275 SOPHIA TER, SAINT AUGUSTINE, FL 32095-8833
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4512 OVERTON DR, PLANO, TX 75074-0136

Mortgage

Document Number	0058190647
Date	Sep 1, 2023
Book Page	5819/647
Instrument	2023069596

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	18 Months
Due	Mar 1, 2025

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	275 SOPHIA TER, SAINT AUGUSTINE, FL 32095-8833
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	275 SOPHIA TER, SAINT AUGUSTINE, FL 32095-8833

Mortgage

Document Number	0060420850
Date	Oct 28, 2024
Book Page	6042/850
Instrument	2024083978

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

December 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Dec 31, 2024
Property Address	275 SOPHIA TER, SAINT AUGUSTINE, FL 32095-8833
Document Number	0060770053
Book / Page	6077 / 53
Map Reference	MB 43 PG 3-6
Instrument Date	Dec 30, 2024
Instrument	2024101165
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	275 SOPHIA TER, ST AUGUSTINE, FL 32095-8833

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	275 SOPHIA TER, ST AUGUSTINE, FL 32095-8833

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 4, 2022
Property Address	275 SOPHIA TER, SAINT AUGUSTINE, FL 32095-8833
Document Number	0055080583
Book / Page	5508 / 583
Map Reference	MB 43 PG 3-6
Instrument Date	Feb 28, 2022
Instrument	2022024057
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	ESTATE TITLE, ESTATE TITLE AND TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,795.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4348 SOUTHPOINT BLVD STE 200, 200, JACKSONVILLE, FL 32216-8705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4512 OVERTON DR, PLANO, TX 75074-0136

Mortgage

Document Number	0005508585
Date	Mar 4, 2022
Instrument	5508/585

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Mar 1, 2023
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	6.62%
Index	Other
Max Rate	9.62%

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		$956,130 (-13.67%) Land $210,000 Building $746,130	$956,130 (-13.67%) Land $210,000 Building $746,130
2025	$18,468.00 (+187.93%) Homeowner's exemption	$1,107,556 (+392.25%)	$1,107,556 (+392.25%) Land $225,000 Building $882,556
2024	$6,414.00 (+1.49%)	$225,000 (-)	$225,000 (-) Land $225,000
2023	$6,320.00 (+13.85%)	$225,000 (+14.8%)	$225,000 (+14.8%) Land $225,000
2022	$5,551.00	$196,000	$196,000 Land $196,000

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 249 policies
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 · Hurricane Nicole

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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 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 / 2,000

May also be available: T-Mobile.

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