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278 Hermosa Ct, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 278 Hermosa Ct, Saint Augustine, FL 32086

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,456 sqft · built 1976
Lot Size0.35 acres (15,246 sqft)
Owner2 Individual Names on Record
Last Sale$390,000 (Jun 2023)
Tax Bill$4,343 (2025)
Deeds & MortgagesJun 2023 Sale & Mortgage
Dec 2021 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN273046-0120

Property Details

APN / Parcel Number

Primary APN273046-0120

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,456 sqft Living Area
Gross Area2,260 sqft
1st Floor Area1,456 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1996
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area15,246 sqft (0.35 acres)
Lot Dimensions145 ft deep x 80 ft wide
Garage TypeAttached
Garage Area516 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area312 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address278 HERMOSA CT
CitySAINT AUGUSTINE
StateFL
Zip32086-7309
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description12-30 ST AUG SHORES UNIT 3 LOT 12 BLK 46 OR5770/358
Legal Range30E
Legal Township08S
Legal Section39
Legal SubdivisionST. AUGUSTINE SHORES UNIT 3
Legal Block46
Legal Lot Number12
Legal Unit3
JurisdictionST JOHNS FL
Township / Civil DivisionMATANZAS
Census Block Group1
Census Block1000
Census Tract21210

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address11713 DAM NUMBER 5 RD, CLEAR SPRING, MD 21722-1944
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 6, 2023Warranty Deed, Transfer · Conventional Mortgage
NAVY FCU
Dec 8, 2021Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
HOMESTAR FINANCIAL CORP
Sep 1, 2021Warranty Deed, Transfer
TITLE AMERICA RE CLOSINGS INC, TITLE AMERICA RE CLOSINGS
Mar 20, 2017Deed of Trust, Mortgage · Conventional Mortgage
LOANFLIGHT LNDG LLC
Feb 5, 2016Deed of Trust, Mortgage · Conventional with PMI
LOANFLIGHT LNDG LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 6, 2023 · Amount on Record
Deed SaleJun 6, 2023 · Amount on Record
Prior SaleDec 8, 2021 · Amount on Record
Deed Document Number202343349
Deed Book / Page5770 / 358
Prior Transfer DateJun 15, 2014
Prior Transfer Doc0039041693
Record UpdatedOct 29, 2026

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJun 6, 2023
Property Address278 HERMOSA CT, SAINT AUGUSTINE, FL 32086-7309
Document Number0057700358
Book / Page5770 / 358
Map ReferenceMB 12 PG 27-32
Instrument DateMay 30, 2023
Instrument2023043349
Transaction TypeTransfer
Record UpdatedJun 19, 2023
Title CompanyNOT AVAILABLE, ST JOHNS BLUE OCEAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,730.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address213 CANTABRIA WAY UNIT 207, 207, SAINT AUGUSTINE, FL 32086-9502

Transferred To (Grantee/Buyer)

NameVerified Name
Address11713 DAM NUMBER 5 RD, CLEAR SPRING, MD 21722-1944

Mortgage

Document Number0005770360
DateJun 6, 2023
Instrument5770/360
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2053
Interest
Rate TypeAdjustable Rate
Rate4.87%
Type Change DateJun 1, 2028
Change Frequency5 Years
Min Rate At Change2.87%
Max Rate At Change6.87%
Index5-Year TN
Margin2
Max Rate9.87%

December 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateDec 8, 2021
Property Address278 HERMOSA CT, SAINT AUGUSTINE, FL 32086-7309
Document Number0054400463
Book / Page5440 / 463
Map ReferenceMB 12 PG 27-32
Instrument DateNov 24, 2021
Instrument2021132948
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 3, 2023
Title CompanyTITLE AMERICA RE CLOSINGS INC, TITLE AMERICA RE CLOSINGS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,240.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address332 BROWARD RD, JACKSONVILLE, FL 32218-6006

Transferred To (Grantee/Buyer)

NameVerified Name
Address278 HERMOSA CT, ST AUGUSTINE, FL 32086-7309

Mortgage

Document Number0005440465
DateDec 8, 2021
Instrument5440/465
Lender
NameHOMESTAR FINANCIAL CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2051

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateSep 1, 2021
Property Address278 HERMOSA CT, SAINT AUGUSTINE, FL 32086-7309
Document Number0053581650
Book / Page5358 / 1650
Map ReferenceMB 12 PG 27-32
Instrument DateAug 16, 2021
Instrument2021096784
Transaction TypeTransfer
Record UpdatedSep 13, 2021
Title CompanyTITLE AMERICA RE CLOSINGS INC, TITLE AMERICA RE CLOSINGS

Transaction

AmountAmount Recorded
Tax$1,330.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address278 HERMOSA CT, 278, ST AUGUSTINE, FL 32086-7309

Transferred To (Grantee/Buyer)

NameVerified Name
Address332 BROWARD RD, JACKSONVILLE, FL 32218-6006
InvestorPossibly a Property Investor

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address278 HERMOSA CT, SAINT AUGUSTINE, FL 32086-7309
Document Number0043510248
Book / Page004351 / 000248
Instrument DateMar 20, 2017
Transaction TypeMortgage
Record UpdatedApr 21, 2017
Title CompanyOIG TITLE AND ESCROW, OIG TITLE & ESCROW

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address278 HERMOSA CT ST AUGUSTINE FL 320867309, ST AUGUSTINE, FL 32086-7309

Mortgage

Document Number0043510248
DateMar 30, 2017
Book Page004351/000248
Instrument21866
Lender
NameLOANFLIGHT LNDG LLC
AddressTAMPA, FL 33607
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 29, 2047

February 2016: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address278 HERMOSA CT, SAINT AUGUSTINE, FL 32086-7309
Document Number0045030494
Book / Page004503 / 000494
Instrument DateFeb 5, 2016
Transaction TypeMortgage
Record UpdatedFeb 23, 2018
Title CompanyOIG TITLE AND ESCROW

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address278 HERMOSA CT ST AUGUSTINE FL 320867309, ST AUGUSTINE, FL 32086-7309

Mortgage

Document Number0045030494
DateFeb 15, 2018
Book Page004503/000494
Instrument10131
Lender
NameLOANFLIGHT LNDG LLC
AddressTAMPA, FL 33607
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueFeb 14, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$290,616 (-2.37%) Land $101,082 Building $189,534$290,616 (-2.37%) Land $101,082 Building $189,534
2025$4,343.00 (+9.81%)$297,678 (+0.85%)$297,678 (+0.85%) Land $95,400 Building $202,278
2024$3,955.00 (+22.86%)$295,156 (+8.13%)$295,156 (+2.14%) Land $95,400 Building $199,756
2023$3,219.00 (+3.04%) Homeowner's exemption$272,971 (+3%)$288,960 (+9.03%) Land $95,400 Building $193,560
2022$3,124.00 Homeowner's exemption$265,020$265,020 Land $61,734 Building $203,286

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AH, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 17 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies17 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemSJCU-CR214 MAINLAND WTP
serves 66,953 people · EPA ID FL2554447
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 417 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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