372 Sophia Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 372 Sophia Ter, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,119 sqft · built 2016
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Last Sale	$1,099,000 (Jul 2024)
Tax Bill	$15,808 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072079-0230`

Property Details

APN / Parcel Number

Primary APN	`072079-0230`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,119 sqft Living Area
Gross Area	4,000 sqft
1st Floor Area	3,119 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stucco
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	881 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	436 sqft
Patio Area	165 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	372 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 23 OR5977/1587
Legal Range	29E
Legal Township	06S
Legal Section	03
Legal Subdivision	MARSHALL CREEK DRI UNIT SV-2
Legal Block	4
Legal Lot Number	23
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4028
Census Tract	20606

Owner

372 Sophia Ter is owned by two individuals who bought it in July 2024.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	37 TARA DR, PAWLEYS ISLAND, SC 29585-8429
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Aug 9, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 21, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 15, 2017	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2024 · Amount on File
Deed Sale	Jul 1, 2024 · Amount on File
Prior Sale	Dec 21, 2021 · Amount on File
Deed Document Number	202451593
Deed Book / Page	5977 / 1587
Prior Transfer Date	Nov 26, 2014
Prior Transfer Doc	0039620623
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	372 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052470040
Date	Apr 26, 2021
Book Page	5247/40
Instrument	2021045978

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	372 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	372 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843

Mortgage

Document Number	0056121908
Date	Aug 9, 2022
Book Page	5612/1908
Instrument	2022076858

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jul 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 21, 2021
Property Address	372 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843
Document Number	0054500535
Book / Page	5450 / 535
Map Reference	MB 44 PG 25-29
Instrument Date	Dec 20, 2021
Instrument	2021137694
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	TRADEMARK TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,699.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1802 SHORE DR, ST AUGUSTINE, FL 32086-6063

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	372 SOPHIA TER, ST AUGUSTINE, FL 32095-6843

Mortgage

Document Number	0005450537
Date	Dec 21, 2021
Instrument	5450/537

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

May 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 15, 2017
Property Address	372 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843
Document Number	0043740223
Book / Page	4374 / 0223
Map Reference	MB44 PG25-29
Instrument Date	May 12, 2017
Instrument	2017033636
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4580 JULINGTON CREEK RD, 4580, JACKSONVILLE, FL 32258-2143

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	372 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843

Mortgage

Document Number	2017033637
Date	May 15, 2017
Instrument	2017033637

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 372 Sophia Ter was $15,808, up 11.4% from the year before.

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		$949,304 (+4.21%) Land $210,000 Building $739,304	$949,304 (+4.21%) Land $210,000 Building $739,304
2025	$15,808.00 (+11.4%) Homeowner's exemption	$910,926	$910,926 Land $225,000 Building $685,926
2024	$14,190.00 (+2.32%)
2023	$13,868.00 (+1.81%) Homeowner's exemption	$836,353 (+3%)	$901,897 (+11.07%) Land $225,000 Building $676,897
2022	$13,621.00 Homeowner's exemption	$811,993	$811,993 Land $196,000 Building $615,993

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 372 Sophia Ter in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2016.

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 File 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

Wildfire risk around 372 Sophia Ter is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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 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.

Nearby Properties on Sophia Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures