St. Johns County property record for 28 Focal Ct, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,031 sqft · built 2021 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $475,000 (May 2026) |
| Tax Bill | $3,509 (2025) |
| Deeds & Mortgages | Feb 2026 Second Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 023721-0410 |
| Primary APN | 023721-0410 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,031 sqft Living Area |
| Gross Area | 2,471 sqft |
| 1st Floor Area | 923 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 135 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 28 FOCAL CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-7423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 89/53-88 BEACON LAKE PHASE 1 LOT 41 OR5308/154 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 10 |
| Legal Subdivision | BEACON LAKE PHASE 1 |
| Legal Phase | 1 |
| Legal Lot Number | 41 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 20904 |
Source: St. Johns County records, as of May 21, 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 Record |
|---|---|
| Mailing Address | 444 NESS CIR, SAINT AUGUSTINE, FL 32095-7624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 9, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| May 8, 2026 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Jul 1, 2021 | Special Warranty Deed, Transfer · FHA Mortgage MATTAMY HOME FUNDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2026 · Amount on Record |
| Deed Sale | May 8, 2026 · Amount on Record |
| Prior Sale | Jul 1, 2021 · Amount on Record |
| Deed Document Number | 202640035 |
| Deed Book / Page | 6360 / 1523 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 28 FOCAL CT, SAINT AUGUSTINE, FL 32095-7423 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 28 FOCAL CT, SAINT AUGUSTINE, FL 32095-7423 |
| Document Number | 0063020560 |
|---|---|
| Date | Feb 9, 2026 |
| Book Page | 6302/560 |
| Instrument | 2026010827 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Mar 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 8, 2026 |
| Property Address | 28 FOCAL CT, SAINT AUGUSTINE, FL 32095-7423 |
| Document Number | 0063601523 |
| Book / Page | 6360 / 1523 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026.40035 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | COWFORD TITLE LLC, COWFORD TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $335,825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 444 NESS CIR, SAINT AUGUSTINE, FL 32095-7624 |
| Document Number | 0000040036, |
|---|---|
| Date | May 8, 2026 |
| Instrument | 2026..40036 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 1, 2021 |
| Property Address | 28 FOCAL CT, SAINT AUGUSTINE, FL 32095-7423 |
| Document Number | 0053080154 |
| Book / Page | 5308 / 154 |
| Map Reference | MB 89 PG 53-88 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021073757 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TTL SV |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,473.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7800 BELFORT PKWY, JACKSONVILLE, FL 32256-6941 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 28 FOCAL CT, SAINT AUGUSTINE, FL 32095-7423 |
| Document Number | 0005308155 |
|---|---|
| Date | Jul 1, 2021 |
| Instrument | 5308/155 |
| Name | MATTAMY HOME FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $428,653 (-1.23%) Land $120,000 Building $308,653 | $428,653 (-1.23%) Land $120,000 Building $308,653 | |
| 2025 | $3,509.00 (+4.03%) Disabled Person's exemption Veteran's exemption | $434,004 (+1.58%) | $434,004 (+1.58%) Land $120,000 Building $314,004 |
| 2024 | $3,373.00 (-58.8%) Disabled Person's exemption Veteran's exemption | $427,247 (+7.27%) | $427,247 (+7.27%) Land $120,000 Building $307,247 |
| 2023 | $8,187.00 (+7.89%) | $398,309 (+13.58%) | $398,309 (+13.58%) Land $120,000 Building $278,309 |
| 2022 | $7,588.00 | $350,690 | $350,690 Land $95,200 Building $255,490 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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