St. Johns County property record for 403 Stone Arbor Ln, Saint Augustine, FL 32086 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2020 |
| Square Footage | 2,022 sqft Living Area |
| Lot Size | 6,534 sqft (0.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $299,000 (2020) |
| Tax Bill | $3,726.00 (2025) |
| Primary APN | 181762-0260 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Building Area | 2,022 sqft Living Area |
| Gross Area | 2,594 sqft Gross Area |
| 1st Floor | 2,022 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,534 sqft (0.15 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 420 sqft Garage |
| Porch Area | 152 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 403 STONE ARBOR LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-1911 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 94/77-87 ARBORS AT VALENCIA PHASE ONE LOT 26 OR5087/495 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 18 |
| Legal Subdivision | ARBORS AT VALENCIA PHASE ONE |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 26 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | MATANZAS |
| Census Blockgroup | 2 |
| Census Block | 2002 |
| Census Tract | 21210 |
Source: St. Johns County records · APN 181762-0260
Assessment roll updated April 13, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 403 STONE ARBOR LN, SAINT AUGUSTINE, FL 32086-1911 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 10, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MORTGAGE CONNECT |
| Aug 10, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Sep 23, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 02, 2020 · Amount on Record |
| Deed Sale | Nov 02, 2020 · Amount on Record |
| Deed Doc Number | 202097874 |
| Deed Book / Page | 5087 / 495 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 10, 2026 |
| Property Address | 403 STONE ARBOR LN, SAINT AUGUSTINE, FL 32086-1911 |
| Document Number | 0000059073 |
| Book / Page | 6399 / 342 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202659073 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 403 STONE ARBOR LN, SAINT AUGUSTINE, FL 32086-1911 |
| Document Number | 0000059073, |
|---|---|
| Date | Jul 10, 2026 |
| Book Page | 6399/342 |
| Instrument | 202659073 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 403 STONE ARBOR LN, SAINT AUGUSTINE, FL 32086-1911 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 403 STONE ARBOR LN, SAINT AUGUSTINE, FL 32086-1911 |
| Document Number | 0058071354 |
|---|---|
| Date | Aug 10, 2023 |
| Book Page | 5807/1354 |
| Instrument | 2023063079 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 403 STONE ARBOR LN, SAINT AUGUSTINE, FL 32086-1911 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 403 STONE ARBOR LN, ST AUGUSTINE, FL 32086-1911 |
| Document Number | 0056391046 |
|---|---|
| Date | Sep 23, 2022 |
| Book Page | 5639/1046 |
| Instrument | 2022091162 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Jul 01, 2051 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $298,464 (+2.7%) | $371,822 (+5.2%) Land $100,000 Building $271,822 | |
| 2025 | $3,726.00 (+12.91%) Homeowner's exemption | $290,617 (+5.99%) | $353,453 (-5.2%) Land $100,000 Building $253,453 |
| 2024 | $3,300.00 (+2.01%) | ||
| 2023 | $3,235.00 (+3.03%) Homeowner's exemption | $274,201 (+3%) | $372,827 (+26.02%) Land $100,000 Building $272,827 |
| 2022 | $3,140.00 Homeowner's exemption | $266,215 | $295,849 Land $72,800 Building $223,049 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 7% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 3,333 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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