356 Sophia Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 356 Sophia Ter, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,896 sqft · built 2003
Lot Size	0.41 acres (17,859 sqft)
Owner	Company Name on Record
Last Sale	$823,000 (Sep 2021)
Tax Bill	$14,764 (2025)
Deeds & Mortgages	Sep 2021 Sale Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072079-0270`

Property Details

APN / Parcel Number

Primary APN	`072079-0270`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	21 Plumbing Fixtures
Stories	2 Stories
Building Area	3,896 sqft Living Area
Gross Area	4,608 sqft
1st Floor Area	2,783 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,859 sqft (0.41 acres)
Garage Type	Attached
Garage Area	712 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	882 sqft
Patio Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	356 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 27 OR5361/1559
Legal Range	29E
Legal Township	06S
Legal Section	03
Legal Subdivision	MARSHALL CREEK DRI UNIT SV-2
Legal Block	4
Legal Lot Number	27
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	Company Name on Record
Mailing Address	356 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Warranty Deed, Transfer LANDMARK TITLE
Mar 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage CBC NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2021 · Amount on Record
Deed Sale	Sep 3, 2021 · Amount on Record
Prior Sale	Aug 25, 2011 · Amount on Record
Deed Document Number	202198061
Deed Book / Page	5361 / 1559
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 3, 2021
Property Address	356 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843
Document Number	0053611559
Book / Page	5361 / 1559
Map Reference	MB 44 PG 25-29
Instrument Date	Aug 30, 2021
Instrument	2021098061
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Tax	$5,761.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6808 ROUNDLEAF DR, 6808, JACKSONVILLE, FL 32258-5504

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	356 SOPHIA TER, ST AUGUSTINE, FL 32095-6843

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	356 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043420609
Date	Mar 9, 2017
Book Page	4342/0609
Instrument	2017016961

Lender

Name	CBC NATIONAL BANK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2032

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		$783,469 (-6.02%) Land $210,000 Building $573,469	$783,469 (-7.15%) Land $210,000 Building $573,469
2025	$14,764.00 (+9.01%) Homeowner's exemption	$833,692 (+5.99%)	$843,814 (+0.33%) Land $225,000 Building $618,814
2024	$13,544.00 (+2.34%)
2023	$13,234.00 (+1.8%) Homeowner's exemption	$786,598 (+3%)	$841,074 (+10.13%) Land $225,000 Building $616,074
2022	$13,000.00 Homeowner's exemption	$763,687	$763,687 Land $196,000 Building $567,687

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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