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401 Montego Bay Ct, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 401 Montego Bay Ct, Saint Augustine, FL 32080

Property Summary

Property TypeCondominium
Details3 bd · 2.5 ba · 2,230 sqft · built 2000
Owner2 Individual Names on File
Last Sale$370,000 (Oct 2019)
Tax Bill$3,824 (2025)
Deeds & MortgagesOct 2019 Sale
Jul 2019 Foreclosure
Flood ZoneZone X (minimal risk)
APN175880-0401

Property Details

APN / Parcel Number

Primary APN175880-0401

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area2,230 sqft Living Area
1st Floor Area2,230 sqft

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000

Location & Zoning

Street Address401 MONTEGO BAY CT
CitySAINT AUGUSTINE
StateFL
Zip32080-8055
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionVILLAS OF OCEAN GATE CONDO (OR1419/749) & AMENDMENTS (OR1515/1797 1574/349 & OR1701/1509) UNIT 401 (S) FKA OCEAN GATE CONDO PH 2 OR4823/975
Legal Range30E
Legal Township08S
Legal Section15
Legal SubdivisionVILLAS OF OCEAN GATE
Legal Phase2
Legal Lot Number401
Legal Unit401
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group3
Census Block3001
Census Tract21403

Owner

401 Montego Bay Ct, a condominium, is owned and occupied by two individuals who bought it in October 2019.

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

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

Owner of Record2 Individual Names on File
Mailing Address401 MONTEGO BAY CT, SAINT AUGUSTINE, FL 32080-8055
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 31, 2019Grant Deed, Transfer
SERVICELINK
Jul 10, 2019Trustee's Deed, Foreclosure
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 31, 2019 · Amount on File
Deed SaleOct 31, 2019 · Amount on File
Prior SaleJul 10, 2019 · Amount on File
Deed Document Number201981527
Deed Book / Page4823 / 975
Record UpdatedOct 29, 2026

October 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST JOHNS FL
Recording DateOct 31, 2019
Property Address401 MONTEGO BAY CT, SAINT AUGUSTINE, FL 32080-8055
Document Number0048230975
Book / Page004823 / 000975
Instrument DateOct 1, 2019
Instrument81527
Transaction TypeTransfer
Record UpdatedNov 14, 2019
Title CompanySERVICELINK

Transaction

AmountAmount on Record
Tax$2,590.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address535 ROYAL CARIBBEAN CT ST AUGUSTINE FL 32080, ST AUGUSTINE, FL 32080

July 2019: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionST JOHNS FL
Recording DateJul 10, 2019
Property Address401 MONTEGO BAY CT, SAINT AUGUSTINE, FL 32080-8055
Document Number0047560726
Book / Page004756 / 000726
Instrument DateJun 27, 2019
Instrument49190
Transaction TypeForeclosure
Record UpdatedJul 19, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount on Record
Tax$1,820.70
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3217 DECKER LAKE DR SALT LAKE CITY UT 841193284, SALT LAKE CITY, UT 84119-3284

Tax Assessment & Valuation

The 2025 property tax bill for 401 Montego Bay Ct was $3,824 with a homeowner's exemption, up 11.2% from the year before.

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$330,266 (+2.7%) Building $330,266$506,900 (-) Building $506,900
2025$3,824.00 (+11.16%) Homeowner's exemption$321,583 (+2.9%)$506,900 (-)
2024$3,440.00 (+2.17%) Homeowner's exemption$312,520 (+3%)$506,900 (-2.83%)
2023$3,367.00 (+2.62%) Homeowner's exemption$303,417 (+3%)$521,637 (+40.98%)
2022$3,281.00 Homeowner's exemption$294,580$370,000

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

Flood

FEMA maps place 401 Montego Bay Ct in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2001.

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 172 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies773 units insured
incl. 601 condo units
Nearby Flood Claims9 (2001–2025)
Claims Outside the SFHA9 of 9
Most Recent ClaimOct 2025 · other causes
Claims by Event
  • Hurricane Matthew, Oct 2016 · 5 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

Wildfire risk around 401 Montego Bay Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemSJCU-CR214 MAINLAND WTP
serves 66,953 people · EPA ID FL2554447
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 390 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250

May also be available: AT&T, IQ Fiber, T-Mobile, Verizon.

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