403 Rio del Norte Rd, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 403 Rio del Norte Rd, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,536 sqft · built 2017
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$920,000 (Oct 2025)
Tax Bill	$11,148 (2025)
Deeds & Mortgages	Oct 2025 Sale Jan 2024 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`072143-0220`

Property Details

APN / Parcel Number

Primary APN	`072143-0220`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,536 sqft Living Area
Gross Area	3,190 sqft
1st Floor Area	2,536 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	654 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	177 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	403 RIO DEL NORTE RD
City	ST AUGUSTINE
State	FL
Zip	32095-4863
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	73/62-70 RIO DEL NORTE LOT 22 OR6246/41
Legal Range	29E
Legal Township	05S
Legal Section	61
Legal Subdivision	RIO DEL NORTE
Legal Block	1
Legal Lot Number	22
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	20606

Owner

Source: St. Johns County records, as of April 13, 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 Record	2 Individual Names on File
Mailing Address	403 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Warranty Deed, Transfer COWFORD TITLE LLC
Jan 31, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 11, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Feb 10, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jul 9, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025 · Amount on File
Deed Sale	Oct 27, 2025 · Amount on File
Prior Sale	Aug 11, 2022 · Amount on File
Deed Document Number	202587519
Deed Book / Page	6246 / 41
Prior Transfer Date	Aug 10, 2022
Prior Transfer Doc	0056141202
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 27, 2025
Property Address	403 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Document Number	0062460041
Book / Page	6246 / 41
Map Reference	MB 73 PG 62-70
Instrument Date	Oct 21, 2025
Instrument	2025087519
Transaction Type	Transfer
Record Updated	Nov 10, 2025
Title Company	COWFORD TITLE LLC

Transaction

Amount	Amount on Record
Tax	$6,440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	337 CAMELLIA DR, CHARLOTTESVILLE, VA 22903-4210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 RIO DEL NORTE RD, ST AUGUSTINE, FL 32095-4863

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	403 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Transaction Type	Mortgage
Record Updated	Feb 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 RIO DEL NORTE RD, ST AUGUSTINE, FL 32095-4863

Mortgage

Document Number	0058930743
Date	Jan 31, 2024
Book Page	5893/743
Instrument	2024007619

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 21, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Aug 11, 2022
Property Address	403 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Document Number	0056141202
Book / Page	5614 / 1202
Map Reference	MB 73 PG 62-70
Instrument Date	Aug 10, 2022
Instrument	2022077634
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	403 RIO DEL NOPE ROAD ST, 403, ST AUGUSTINE, FL 32095

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	403 RIO DEL NORTE RD, ST AUGUSTINE, FL 32095-4863

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	403 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863

Mortgage

Document Number	0054900161
Date	Feb 10, 2022
Book Page	5490/161
Instrument	2022014940

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 9, 2019
Property Address	403 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863
Document Number	0047550132
Book / Page	4755 / 0132
Map Reference	VOL 73 PG 62-70
Instrument Date	Jun 25, 2019
Instrument	2019048643
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,759.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 RIO DEL NORTE RD, SAINT AUGUSTINE, FL 32095-4863

Mortgage

Document Number	0004755133
Date	Jul 9, 2019
Instrument	4755/133

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

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		$681,750 (+24.74%)	$830,121 (-0.07%) Land $210,000 Building $620,121
2025	$11,148.00 (+9.71%) Homeowner's exemption	$546,550 (+2.9%)	$830,682 (+4.06%) Land $210,000 Building $620,682
2024	$10,161.00 (+5.4%) Homeowner's exemption	$531,147 (+3%)	$798,272 (+10.06%) Land $210,000 Building $588,272
2023	$9,640.00 (+1.69%) Homeowner's exemption	$515,677 (+3%)	$725,279 (+7.48%) Land $200,000 Building $525,279
2022	$9,480.00 Homeowner's exemption	$500,657	$674,781 Land $168,000 Building $506,781

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 221 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 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 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 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: Verizon, Xfinity.

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