352 Sophia Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 352 Sophia Ter, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,404 sqft · built 2011
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$91,000 (Dec 2009)
Tax Bill	$10,513 (2025)
Deeds & Mortgages	Jan 2024 Transfer Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072079-0280`

Property Details

APN / Parcel Number

Primary APN	`072079-0280`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	3,404 sqft Living Area
Gross Area	4,327 sqft
1st Floor Area	2,455 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Attached
Garage Area	923 sqft
Parking Spaces	4 Parking Spaces
Porch	Finished/Open Porch
Porch Area	794 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	352 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	44/25-29 MARSHALL CREEK DRI UNIT SV-2 LOT 28 OR3513/567 & 5882/526(L/E)
Legal Range	29E
Legal Township	06S
Legal Section	03
Legal Subdivision	MARSHALL CREEK DRI UNIT SV-2
Legal Block	4
Legal Lot Number	28
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4028
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	352 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 3, 2020	Deed of Trust, Mortgage · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2009 · Amount on Record
Deed Sale	Dec 30, 2009 · Amount on Record
Prior Sale	Jun 9, 2004 · Amount on Record
Deed Document Number	200966094
Deed Book / Page	3272 / 1663
Last Transfer Date	Dec 27, 2023
Transfer Doc	0058820526
Record Updated	Oct 29, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Jan 5, 2024
Property Address	352 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843
Document Number	0058820526
Book / Page	5882 / 526
Map Reference	MB 44 PG 25-29
Instrument Date	Dec 27, 2023
Instrument	2024001342
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	352 SOPHIA TER, ST AUGUSTINE, FL 32095-6843

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	352 SOPHIA TER, ST AUGUSTINE, FL 32095-6843

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	352 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843
Document Number	0049201952
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	352 SOPHIA TER ST AUGUSTINE FL 320956843, ST AUGUSTINE, FL 32095-6843

Mortgage

Document Number	0049201952
Date	Apr 13, 2020
Book Page	004920/001952
Instrument	28492

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

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		$533,464 (+2.7%)	$814,334 (-7.71%) Land $210,000 Building $604,334
2025	$10,513.00 (+8.43%) Homeowner's exemption	$519,439 (+2.9%)	$882,338 (+2.23%) Land $225,000 Building $657,338
2024	$9,696.00 (+2.58%) Homeowner's exemption	$504,800 (+3%)	$863,079 (-0.8%) Land $225,000 Building $638,079
2023	$9,452.00 (+1.65%) Homeowner's exemption	$490,097 (+3%)	$870,040 (+9.54%) Land $225,000 Building $645,040
2022	$9,299.00 Homeowner's exemption	$475,822	$794,250 Land $196,000 Building $598,250

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 53% of the US · lower than 76% 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	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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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