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401 Montserrat Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 401 Montserrat Dr, Saint Augustine, FL 32092 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,027 sqft · built 2022
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$475,000 (Apr 2025)
Tax Bill$4,850 (2025)
Deeds & MortgagesApr 2025 Sale & Mortgage
Feb 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN027442-2750

Property Details

APN / Parcel Number

Primary APN027442-2750

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures13 Plumbing Fixtures
Stories1 Story
Building Area2,027 sqft Living Area
Gross Area2,599 sqft
1st Floor Area2,027 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.17 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area152 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address401 MONTSERRAT DR
CitySAINT AUGUSTINE
StateFL
Zip32092-5402
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description97/44-51 WINDWARD RANCH PHASE THIRTEEN LOT 275 OR6125/625
Legal Range28E
Legal Township06S
Legal Section36
Legal SubdivisionWINDWARD RANCH PHASE THIRTEEN
Legal Block1
Legal Lot Number275
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2017
Census Tract20906

Owner

Source: St. Johns County records · APN 027442-2750

Assessment roll updated April 13, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address401 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-5402
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 03, 2025Warranty Deed, Transfer · Conventional Mortgage
NBH BANK NA
Feb 25, 2022Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
PNC BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 03, 2025 · Amount on Record
Deed SaleApr 03, 2025 · Amount on Record
Prior SaleFeb 25, 2022 · Amount on Record
Deed Document Number202526001
Deed Book / Page6125 / 625
Record UpdatedJun 08, 2026

April 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateApr 03, 2025
Property Address401 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-5402
Document Number0061250625
Book / Page6125 / 625
Map ReferenceMB 97 PG 44
Instrument DateMar 24, 2025
Instrument2025026001
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,325.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4661 CENTAURUS CIR, NAPLES, FL 34120-0507

Transferred To (Grantee/Buyer)

NameVerified Name
Address9650 HOLLYLCAF COURT, COLORADO SPRINGS, CO 80920-3009

Mortgage

Document Number0006125627
DateApr 03, 2025
Instrument6125/627
Lender
NameNBH BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2055

February 2022: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 25, 2022
Property Address401 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-5402
Document Number0055020184
Book / Page5502 / 184
Map ReferenceMB 97 PG 44
Instrument DateFeb 24, 2022
Instrument2022021081
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 23, 2025
Title CompanyLENNAR TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,636.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9440 PHILIPS HWY STE 7, 7, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

NameVerified Name
Address401 MONTSERRAT DR, ST AUGUSTINE, FL 32092-5402

Mortgage

Document Number0005502188
DateFeb 25, 2022
Instrument5502/188
Lender
NamePNC BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2052

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$364,763 (-2.5%) Land $100,000 Building $264,763$364,763 (-6.11%) Land $100,000 Building $264,763
2025$4,850.00 (+12.32%) Homeowner's exemption$374,110 (+2.9%)$388,497 (-2.39%) Land $100,000 Building $288,497
2024$4,318.00 (+1.96%) Homeowner's exemption$363,567 (+3%)$398,028 (+12.76%) Land $100,000 Building $298,028
2023$4,235.00 (+259.2%) Homeowner's exemption$352,978 (+320.21%)$352,978 (+320.21%) Land $90,720 Building $262,258
2022$1,179.00$84,000$84,000 Land $84,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209062, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 74 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies74 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimJan 2024, other causes

Wildfire

Wildfire RiskModerate
above 61% of the US · above 35% of Florida
Wildfire LikelihoodAbout 1 in 610 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 66 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Hotwire CommunicationsFiber1,000 / 200

May also be available at this address: AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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