327 Sophia Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 327 Sophia Ter, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,470 sqft · built 2005
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$830,000 (Jul 2023)
Tax Bill	$13,930 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072084-0370`

Property Details

APN / Parcel Number

Primary APN	`072084-0370`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,470 sqft Living Area
Gross Area	3,220 sqft
1st Floor Area	2,470 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	254 sqft
Deck Area	Deck Area
Patio Area	943 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	327 SOPHIA TER
City	SAINT AUGUSTINE
State	FL
Zip	32095-6813
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 37 OR5789/212
Legal Range	29E
Legal Township	06S
Legal Section	03
Legal Subdivision	MARSHALL CREEK DRI UNIT SV-3
Legal Block	4
Legal Lot Number	37
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4029
Census Tract	20606

Owner

Source: St. Johns County records, as of June 17, 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 Record	Individual Name on Record
Mailing Address	327 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 15, 2018	Warranty Deed, Transfer · Conventional Mortgage TIAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2023 · Amount on Record
Deed Sale	Jul 10, 2023 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	202353401
Deed Book / Page	5789 / 212
Prior Transfer Date	Nov 11, 2009
Prior Transfer Doc	0032591240
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 10, 2023
Property Address	327 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6813
Document Number	0057890212
Book / Page	5789 / 212
Map Reference	MB 45 PG 21-24
Instrument Date	Jun 28, 2023
Instrument	2023053401
Transaction Type	Transfer
Record Updated	Jul 24, 2023
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,810.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	548 RUM RUNNER WAY, SAINT JOHNS, FL 32259-2273

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6813

Mortgage

Document Number	0005789214
Date	Jul 10, 2023
Instrument	5789/214

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	327 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6813
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6813

Mortgage

Document Number	0050791091
Date	Oct 23, 2020
Book Page	5079/1091
Instrument	2020094658

Lender

Name	US BANK NA
Type	Bank
Address	CLINTON, KY 42031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 15, 2018
Property Address	327 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6813
Document Number	0045461411
Book / Page	004546 / 001411
Instrument Date	Apr 25, 2018
Instrument	33149
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	IN AND RET ESTATE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	327 SOPHIA TER ST AUGUSTINE FL 320956813, ST AUGUSTINE, FL 32095-6813

Mortgage

Document Number	45461413
Date	May 15, 2018
Book Page	004546/001413
Instrument	33150

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

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		$677,016 (-5.53%) Land $210,000 Building $467,016	$677,016 (-5.53%) Land $210,000 Building $467,016
2025	$13,930.00 (+7.36%) Homeowner's exemption	$716,663 (+158.12%)	$716,663 (+4.71%) Land $225,000 Building $491,663
2024	$12,975.00 (+73.16%)
2023	$7,493.00 (+1.31%) Homeowner's exemption	$277,642 (+3%)	$684,406 (+13.33%) Land $225,000 Building $459,406
2022	$7,396.00 Homeowner's exemption	$269,555	$603,894 Land $196,000 Building $407,894

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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

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 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 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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