395 Tortuga Bay Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 395 Tortuga Bay Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,078 sqft · built 2013
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Apr 2021)
Tax Bill	$5,514 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026551-2360`

Property Details

APN / Parcel Number

Primary APN	`026551-2360`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,078 sqft Living Area
Gross Area	2,498 sqft
1st Floor Area	1,857 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	155 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	395 TORTUGA BAY DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	63/1-13 GLEN ST JOHNS PH 1 LOT 236 OR5249/835
Legal Range	28E
Legal Township	05S
Legal Section	29
Legal Subdivision	GLEN ST. JOHNS PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	236
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2008
Census Tract	20908

Owner

Source: St. Johns County records, as of April 13, 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	395 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Apr 27, 2021	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Mar 9, 2017	Deed of Trust, Mortgage · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2021 · Amount on Record
Deed Sale	Apr 27, 2021 · Amount on Record
Prior Sale	Sep 11, 2013 · Amount on Record
Deed Document Number	202147025
Deed Book / Page	5249 / 835
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	395 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3209
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 TORTUGA BAY DR, ST AUGUSTINE, FL 32092-3209

Mortgage

Document Number	0054950001
Date	Feb 16, 2022
Book Page	5495/1
Instrument	2022017528

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 27, 2021
Property Address	395 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3209
Document Number	0052490835
Book / Page	5249 / 835
Map Reference	MB 63 PG 1-13
Instrument Date	Apr 21, 2021
Instrument	2021047025
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9636 GRAPHITE CIRCLE, NAPLES, FL 34120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 TORTUGA BAY DR, ST AUGUSTINE, FL 32092-3209

Mortgage

Document Number	0005249837
Date	Apr 27, 2021
Instrument	5249/837

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	395 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3209
Document Number	0043450079
Book / Page	004345 / 000079
Instrument Date	Mar 9, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	395 TORTUGA BAY DR ST AUGUSTINE FL 320923209, ST AUGUSTINE, FL 32092-3209

Mortgage

Document Number	0043450079
Date	Mar 16, 2017
Book Page	004345/000079
Instrument	18557

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2047

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		$275,257 (+2.7%)	$352,540 (-5.62%) Land $100,000 Building $252,540
2025	$5,514.00 (+7.74%) Homeowner's exemption	$268,020 (+2.9%)	$373,551 (-0.71%) Land $112,000 Building $261,551
2024	$5,118.00 (+4.17%) Homeowner's exemption	$260,466 (+3%)	$376,241 (+3.7%) Land $110,000 Building $266,241
2023	$4,913.00 (+5.45%) Homeowner's exemption	$252,880 (+3%)	$362,830 (+4.6%) Land $105,000 Building $257,830
2022	$4,659.00 Homeowner's exemption	$245,515	$346,882 Land $89,600 Building $257,282

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 103 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	103 in force

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 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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