319 Tortuga Bay Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 319 Tortuga Bay Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,866 sqft · built 2013
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Nov 2022)
Tax Bill	$8,780 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Dec 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026551-2320`

Property Details

APN / Parcel Number

Primary APN	`026551-2320`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,866 sqft Living Area
Gross Area	3,446 sqft
1st Floor Area	2,306 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	319 TORTUGA BAY DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	63/1-13 GLEN ST JOHNS PH 1 LOT 232 OR5670/1813
Legal Range	28E
Legal Township	05S
Legal Section	29
Legal Subdivision	GLEN ST. JOHNS PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	232
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2008
Census Tract	20908

Owner

Source: St. Johns County records, as of April 13, 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	319 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Dec 18, 2023	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Nov 29, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 28, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2022 · Amount on Record
Deed Sale	Nov 29, 2022 · Amount on Record
Prior Sale	Jan 17, 2013 · Amount on Record
Deed Document Number	2022107959
Deed Book / Page	5670 / 1813
Prior Transfer Date	Jul 20, 2021
Prior Transfer Doc	0053281431
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	319 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3209
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3209

Mortgage

Document Number	0062280907
Date	Sep 29, 2025
Book Page	6228/907
Instrument	2025079099

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	319 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3209
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3209
Investor	Possibly a Property Investor

Mortgage

Document Number	0058721229
Date	Dec 18, 2023
Book Page	5872/1229
Instrument	2023097703

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jan 8, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 29, 2022
Property Address	319 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3209
Document Number	0056701813
Book / Page	5670 / 1813
Map Reference	MB 63 PG 1-13
Instrument Date	Nov 18, 2022
Instrument	2022107959
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	JACKSONVILLE LAW AND TITLE INC, JACKSONVILLE BLUE OCEAN TTL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 330557, ATLANTIC BEACH, FL 32233-0557

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	319 TORTUGA BAY DR, ST AUGUSTINE, FL 32092-3209

Mortgage

Document Number	0056701815
Date	Nov 29, 2022
Instrument	5670/1815

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Dec 1, 2029
Min Rate At Change	2.75%
Max Rate At Change	10.9%
Index	Other
Max Rate	10.9%

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Jul 28, 2021
Property Address	319 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3209
Document Number	0053281431
Book / Page	5328 / 1431
Map Reference	MB 63 PG 1-13
Instrument Date	Jul 20, 2021
Instrument	2021083297
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	319 TORTUGA BAY DR, ST AUGUSTINE, FL 32092-3209

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		$519,246 (-7.14%) Land $100,000 Building $419,246	$519,246 (-7.14%) Land $100,000 Building $419,246
2025	$8,780.00 (+19.52%) Homeowner's exemption	$559,147 (+14.02%)	$559,147 (+13.37%) Land $112,000 Building $447,147
2024	$7,346.00 (+3.6%) Homeowner's exemption	$490,396 (+3%)	$493,208 (+3.59%) Land $110,000 Building $383,208
2023	$7,091.00 (+2.99%) Homeowner's exemption	$476,113 (+10.38%)	$476,113 (+10.38%) Land $105,000 Building $371,113
2022	$6,885.00	$431,342	$431,342 Land $89,600 Building $341,742

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 103 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	103 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 Risk	Moderate above 55% of the US · lower than 73% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 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	2 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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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