St. Johns County property record for 402 Zorayda Ave, Saint Augustine, FL 32080
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 984 sqft · built 1948 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Sep 2024) |
| Tax Bill | $7,209 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 215990-0000 |
| Primary APN | 215990-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 984 sqft Living Area |
| Gross Area | 1,388 sqft |
| 1st Floor Area | 984 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Asbestos |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 170 ft deep x 66 ft wide |
| Garage Type | Attached |
| Garage Area | 276 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Glass Porch |
| Porch Area | 12 sqft |
| Patio Area | 45 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 402 ZORAYDA AVE |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32080-3759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3-97 DAVIS SHORES LOT 28 BLK 11 OR6027/1486 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 17 |
| Legal Subdivision | DAVIS SHORES OCEAN VIEW SECTION |
| Legal Block | 11 |
| Legal Lot Number | 28 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 20500 |
402 Zorayda Ave is owned and occupied by two individuals who bought it in September 2024.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 402 ZORAYDA AVE, SAINT AUGUSTINE, FL 32080-3759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 27, 2024 · Amount on File |
| Deed Sale | Sep 27, 2024 · Amount on File |
| Prior Sale | Sep 17, 2021 · Amount on File |
| Deed Document Number | 202476430 |
| Deed Book / Page | 6027 / 1486 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 17, 2021 |
| Property Address | 402 ZORAYDA AVE, SAINT AUGUSTINE, FL 32080-3759 |
| Document Number | 0053701987 |
| Book / Page | 5370 / 1987 |
| Map Reference | MB 3 PG 97 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 2021102068 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,660.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 SEVILLA ST, 20, ST AUGUSTINE, FL 32084-3551 |
| Name | Verified Name |
|---|---|
| Address | 152 MERRITTS RD, FARMINGDALE, NY 11735-3216 |
| Document Number | 0053710001 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | 5371/1 |
| Instrument | 2021102069 |
| Name | SHAMROCK HOME LOANS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | RUMFORD, RI 02916 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 402 Zorayda Ave was $7,209, up 7.7% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Municipality | St. Augustine City |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $395,400 (+8.97%) Land $304,920 Building $90,480 | $395,400 (+8.97%) Land $304,920 Building $90,480 | |
| 2025 | $7,209.00 (+7.66%) | $362,836 (+3.19%) | $362,836 (+3.19%) Land $277,200 Building $85,636 |
| 2024 | $6,696.00 (-1.06%) | $351,614 (-0.29%) | $351,614 (-0.29%) Land $277,200 Building $74,414 |
| 2023 | $6,768.00 (+7.75%) | $352,620 (+8.26%) | $352,620 (+8.26%) Land $277,200 Building $75,420 |
| 2022 | $6,281.00 | $325,709 | $325,709 Land $219,395 Building $106,314 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 Zorayda Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 435 individual policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 579 units insured incl. 144 condo units |
| Nearby Flood Claims | 542 (1988–2024) |
| Claims Outside the SFHA | 9 of 542 |
| Most Recent Claim | Sep 2024 · tidal / storm surge |
| Claims by Event |
|
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 402 Zorayda Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 315 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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