401 Madruga Ave, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 401 Madruga Ave, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,289 sqft · built 1980
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Jul 2016)
Tax Bill	$1,819 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`284118-0080`

Property Details

APN / Parcel Number

Primary APN	`284118-0080`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,289 sqft Living Area
Gross Area	1,555 sqft
1st Floor Area	1,036 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	100 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	266 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	60 sqft
Patio Area	322 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 MADRUGA AVE
City	SAINT AUGUSTINE
State	FL
Zip	32086-7126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	13-35 ST AUG SHORES UNIT 4 LOT 8 BLK 118 OR4220/1594
Legal Range	30E
Legal Township	08S
Legal Section	39
Legal Subdivision	ST. AUGUSTINE SHORES UNIT 4
Legal Block	118
Legal Lot Number	8
Legal Unit	4
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	1
Census Block	1025
Census Tract	21211

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	Individual Name on Record
Mailing Address	401 MADRUGA AVE, SAINT AUGUSTINE, FL 32086-7126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2016 · Amount on Record
Deed Sale	Jul 1, 2016 · Amount on Record
Deed Book / Page	4220 / 1594
Prior Transfer Date	Mar 7, 2011
Prior Transfer Doc	0034160050
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	401 MADRUGA AVE, SAINT AUGUSTINE, FL 32086-7126
Transaction Type	Mortgage
Record Updated	Jun 14, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 MADRUGA AVE, SAINT AUGUSTINE, FL 32086-7126

Mortgage

Document Number	0055721342
Date	Jun 6, 2022
Book Page	5572/1342
Instrument	2022056363

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	401 MADRUGA AVE, SAINT AUGUSTINE, FL 32086-7126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 MADRUGA AVE, SAINT AUGUSTINE, FL 32086-7126

Mortgage

Document Number	0050350671
Date	Sep 4, 2020
Book Page	5035/671
Instrument	2020075464

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 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		$153,037 (+2.7%)	$255,194 (-2.8%) Land $82,439 Building $172,755
2025	$1,819.00 (+15.49%) Homeowner's exemption	$149,014 (+5.99%)	$262,555 (+4.11%) Land $77,805 Building $184,750
2024	$1,575.00 (+2.34%)
2023	$1,539.00 (+3.99%) Homeowner's exemption	$140,596 (+3%)	$252,191 (+7.15%) Land $77,805 Building $174,386
2022	$1,480.00 Homeowner's exemption	$136,501	$235,352 Land $50,348 Building $185,004

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 84 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 in force
Nearby Flood Claims	6 (2016–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 2 claims

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 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	6 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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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