296 Bermudez Way, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 296 Bermudez Way, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,968 sqft · built 2023
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,990 (Aug 2023)
Tax Bill	$7,072 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072571-1900`

Property Details

APN / Parcel Number

Primary APN	`072571-1900`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	1,968 sqft Living Area
Gross Area	2,409 sqft
1st Floor Area	789 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	140 sqft
Patio Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	296 BERMUDEZ WAY
City	SAINT AUGUSTINE
State	FL
Zip	32095-6654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	115/25-41 CORDOVA PALMS PHASE ONE LOT 190 OR5801/692
Legal Subdivision	CORDOVA PALMS PHASE ONE
Legal Block	1
Legal Lot Number	190
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3008
Census Tract	20904

Owner

Source: St. Johns County records, as of June 9, 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	296 BERMUDEZ WAY, SAINT AUGUSTINE, FL 32095-6654
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2023 · Amount on Record
Deed Sale	Aug 1, 2023 · Amount on Record
Deed Document Number	202359836
Deed Book / Page	5801 / 692
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 1, 2023
Property Address	296 BERMUDEZ WAY, SAINT AUGUSTINE, FL 32095-6654
Document Number	0058010692
Book / Page	5801 / 692
Map Reference	MB 115 PG 25-41
Instrument Date	Jul 24, 2023
Instrument	2023059836
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2025
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	296 BERMUDEZ WAY, SAINT AUGUSTINE, FL 32095-6654

Mortgage

Document Number	0005801694
Date	Aug 1, 2023
Instrument	5801/694

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

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		$333,377 (-4.94%) Land $95,000 Building $238,377	$333,377 (-4.94%) Land $95,000 Building $238,377
2025	$7,072.00 (+11.14%) Homeowner's exemption	$350,712 (+2.96%)	$350,712 (+2.96%) Land $85,000 Building $265,712
2024	$6,363.00 (+98.53%) Homeowner's exemption	$340,625 (+354.17%)	$340,625 (+354.17%) Land $90,000 Building $250,625
2023	$3,205.00	$75,000	$75,000 Land $75,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 90 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	90 in force
Nearby Flood Claims	6 (2016–2022)
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 2 claims

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	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Utah Broadband Fiber	2,000 / 2,000