St. Johns County property record for 314 Sophia Ter, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,471 sqft · built 2003 |
| Lot Size | 0.41 acres (17,859 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,240,000 (May 2021) |
| Tax Bill | $17,836 (2025) |
| Deeds & Mortgages | May 2021 Sale Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072084-0290 |
| Primary APN | 072084-0290 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 22 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 4,471 sqft Living Area |
| Gross Area | 5,357 sqft |
| 1st Floor Area | 3,161 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 17,859 sqft (0.41 acres) |
| Garage Type | Attached |
| Garage Area | 886 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 502 sqft |
| Deck Area | Deck Area |
| Patio Area | 870 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 314 SOPHIA TER |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-6843 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 45/21-24 MARSHALL CREEK DRI UNIT SV-3 LOT 29 OR5273/1406 |
| Legal Range | 29E |
| Legal Township | 06S |
| Legal Section | 03 |
| Legal Subdivision | MARSHALL CREEK DRI UNIT SV-3 |
| Legal Block | 4 |
| Legal Lot Number | 29 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 20606 |
Source: St. Johns County records · APN 072084-0290
Assessment roll updated April 13, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 314 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| May 25, 2021 | Warranty Deed, Transfer LANDMARK TITLE |
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Jul 31, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Jun 24, 2019 | Loan Modification, Mortgage · Conventional Mortgage AMERICAN BK&TR CO NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 25, 2021 · Amount on Record |
| Deed Sale | May 25, 2021 · Amount on Record |
| Prior Sale | Jul 31, 2020 · Amount on Record |
| Deed Document Number | 202158551 |
| Deed Book / Page | 5273 / 1406 |
| Prior Transfer Date | Apr 25, 2013 |
| Prior Transfer Doc | 0037301528 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 25, 2021 |
| Property Address | 314 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843 |
| Document Number | 0052731406 |
| Book / Page | 5273 / 1406 |
| Map Reference | MB 45 PG 21-24 |
| Instrument Date | May 17, 2021 |
| Instrument | 2021058551 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | LANDMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $8,680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 150 HILDEN RD, 150, PONTE VEDRA BEACH, FL 32081-8404 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 314 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 314 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ACTION TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0049291635 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 4929/1635 |
| Instrument | 2020031942 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 31, 2020 |
| Property Address | 314 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843 |
| Document Number | 0050040742 |
| Book / Page | 5004 / 742 |
| Map Reference | MB 45 PG 21-24 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 2020062746 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | ACTION TTL SVCS OF ST JOHNS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,670.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 314 SOPHIA TERARCE, SAINT AUGUSTINE, FL 32095-6843 |
| Document Number | 5004744 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 5004/744 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 314 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843 |
| Document Number | 0047721279 |
| Instrument Date | Jun 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 314 SOPHIA TER ST AUGUSTINE FL 320956843, ST AUGUSTINE, FL 32095-6843 |
| Document Number | 0047721279 |
|---|---|
| Date | Aug 05, 2019 |
| Book Page | 004772/001279 |
| Instrument | 57097 |
| Name | AMERICAN BK&TR CO NA |
|---|---|
| Address | ROCK ISLAND, IL 61201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 04, 2024 |
| Rate | 1% |
|---|
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $1,094,666 (+2.7%) | $1,151,036 (-8.76%) Land $210,000 Building $941,036 | |
| 2025 | $17,836.00 (+9.26%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $1,065,887 (+5.99%) | $1,261,535 (+0.83%) Land $225,000 Building $1,036,535 |
| 2024 | $16,325.00 (+2.26%) | ||
| 2023 | $15,964.00 (+1.88%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $1,005,677 (+3%) | $1,251,101 (+10.81%) Land $225,000 Building $1,026,101 |
| 2022 | $15,670.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $976,385 | $1,129,025 Land $196,000 Building $933,025 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
| Wildfire Risk | Moderate above 47% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
May also be available: T-Mobile USA.
Based on FCC filings for 191 locations within half a mile of this property.
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 | SJCU-NORTHEAST UTILITIES WS serves 14,790 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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