331 Sophia Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 331 Sophia Ter, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,640 sqft · built 2004
Lot Size	0.36 acres (15,681 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Sep 2024)
Tax Bill	$15,249 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072084-0380`

Property Details

APN / Parcel Number

Primary APN	`072084-0380`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Stories	2 Stories
Building Area	3,640 sqft Living Area
Gross Area	4,649 sqft
1st Floor Area	2,388 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,681 sqft (0.36 acres)
Garage Type	Attached
Garage Area	691 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	549 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	331 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 38 OR6026/1864
Legal Range	29E
Legal Township	06S
Legal Section	03
Legal Subdivision	MARSHALL CREEK DRI UNIT SV-3
Legal Block	4
Legal Lot Number	38
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	331 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jun 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 8, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2024 · Amount on Record
Deed Sale	Sep 27, 2024 · Amount on Record
Prior Sale	Aug 24, 2006 · Amount on Record
Deed Document Number	202476094
Deed Book / Page	6026 / 1864
Prior Transfer Date	Mar 23, 2021
Prior Transfer Doc	0052320491
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	331 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6813
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6813

Mortgage

Document Number	0056180507
Date	Aug 17, 2022
Book Page	5618/507
Instrument	2022079710

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	331 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6813
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055731464
Date	Jun 7, 2022
Book Page	5573/1464
Instrument	2022056859

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Apr 8, 2021
Property Address	331 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6813
Document Number	0052320491
Book / Page	5232 / 491
Map Reference	MB 45 PG 21-24
Instrument Date	Mar 23, 2021
Instrument	2021039155
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8625 HOMEPLACE DR, 8625, JACKSONVILLE, FL 32256-1942

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 SOPHIA TER, ST AUGUSTINE, FL 32095-6813

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		$784,279 (-3.67%) Land $210,000 Building $574,279	$784,279 (-8.09%) Land $210,000 Building $574,279
2025	$15,249.00 (+29.75%) Homeowner's exemption	$814,122 (+33.79%)	$853,286 (+8.04%) Land $225,000 Building $628,286
2024	$11,753.00 (+2.32%) Homeowner's exemption	$608,526 (+3%)	$789,769 (-0.82%) Land $225,000 Building $564,769
2023	$11,486.00 (+1.6%) Homeowner's exemption	$590,802 (+3%)	$796,283 (+10.95%) Land $225,000 Building $571,283
2022	$11,305.00 Homeowner's exemption	$573,594	$717,693 Land $196,000 Building $521,693

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
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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% 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	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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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