St. Johns County property record for 388 Sophia Ter, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 3,937 sqft · built 2005 |
| Lot Size | 0.31 acres (13,503 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $655,000 (Sep 2013) |
| Tax Bill | $11,690 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 072079-0190 |
| Primary APN | 072079-0190 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 21 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,937 sqft Living Area |
| Gross Area | 5,101 sqft |
| 1st Floor Area | 2,639 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,503 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 796 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 546 sqft |
| Patio Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 388 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 19 OR3793/1375 |
| Legal Range | 29E |
| Legal Township | 06S |
| Legal Section | 03 |
| Legal Subdivision | MARSHALL CREEK DRI UNIT SV-2 |
| Legal Block | 4 |
| Legal Lot Number | 19 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 20606 |
388 Sophia Ter is owned and occupied by two individuals who bought it in September 2013.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 388 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2013 · Amount on File |
| Deed Sale | Sep 24, 2013 · Amount on File |
| Prior Sale | Aug 19, 2004 · Amount on File |
| Deed Document Number | 201363612 |
| Deed Book / Page | 3793 / 1375 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 388 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6843 |
| Document Number | 0045061596 |
| Instrument Date | Feb 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 388 SOPHIA TER ST AUGUSTINE FL 320956843, ST AUGUSTINE, FL 32095-6843 |
| Document Number | 0045061596 |
|---|---|
| Date | Feb 23, 2018 |
| Book Page | 004506/001596 |
| Instrument | 12080 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 22, 2048 |
The 2025 property tax bill for 388 Sophia Ter was $11,690 with a homeowner's exemption, up 8.6% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $622,783 (+2.7%) | $816,756 (-11.51%) Land $210,000 Building $606,756 | |
| 2025 | $11,690.00 (+8.63%) Homeowner's exemption | $606,410 | $923,021 Land $225,000 Building $698,021 |
| 2024 | $10,761.00 (+2.5%) | ||
| 2023 | $10,499.00 (+1.7%) Homeowner's exemption | $572,155 (+3%) | $911,160 (+5.75%) Land $225,000 Building $686,160 |
| 2022 | $10,323.00 Homeowner's exemption | $555,490 | $861,586 Land $196,000 Building $665,586 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 388 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 risk around 388 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures