404 Tomo Way, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 404 Tomo Way, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,894 sqft · built 2020
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$435,129 (Feb 2020)
Tax Bill	$5,898 (2025)
Deeds & Mortgages	Aug 2020 Loan Modification Feb 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`284195-0240`

Property Details

APN / Parcel Number

Primary APN	`284195-0240`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,894 sqft Living Area
Gross Area	2,344 sqft
1st Floor Area	1,894 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	258 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	404 TOMO WAY
City	SAINT AUGUSTINE
State	FL
Zip	32086-7741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	61/36-40 ESTATES OF TUSCANY PHASE 2A BLK 195 LOT 24 OR4885/974
Legal Range	30E
Legal Township	08S
Legal Section	41
Legal Subdivision	ESTATES OF TUSCANY PHASE 2A
Legal Phase	2A
Legal Block	195
Legal Lot Number	24
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	3
Census Block	3004
Census Tract	21210

Owner

Source: St. Johns County records, as of April 13, 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 Record
Mailing Address	404 TOMO WAY, SAINT AUGUSTINE, FL 32086-7741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2020	Loan Modification, Mortgage · Conventional Mortgage FBC MTG
Feb 19, 2020	Special Warranty Deed, Construction Loan · Construction Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2020 · Amount on Record
Deed Sale	Feb 19, 2020 · Amount on Record
Prior Sale	Jan 9, 2002 · Amount on Record
Deed Document Number	202012984
Deed Book / Page	4885 / 974
Record Updated	Oct 29, 2026

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	404 TOMO WAY, SAINT AUGUSTINE, FL 32086-7741
Document Number	0050421754
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Oct 8, 2020
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 TOMO WAY ST AUGUSTINE FL 320867741, ST AUGUSTINE, FL 32086-7741

Mortgage

Document Number	0050421754
Date	Sep 15, 2020
Book Page	005042/001754
Instrument	78771

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 14, 2035

Interest

Rate Type	Fixed Rate
Rate	2.5%

February 2020: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 19, 2020
Property Address	404 TOMO WAY, SAINT AUGUSTINE, FL 32086-7741
Document Number	0048850974
Book / Page	4885 / 0974
Map Reference	MB 61 PG 36
Instrument Date	Feb 14, 2020
Instrument	2020012984
Transaction Type	Construction Loan
Record Updated	Aug 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,046.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	49 SHORES BLVD, 49, ST AUGUSTINE, FL 32086-7238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 TOMO WAY, SAINT AUGUSTINE, FL 32086-7741

Mortgage

Document Number	0048850976
Date	Feb 19, 2020
Instrument	4885/0976

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	369 Months
Due	Nov 1, 2050

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		$469,214 (+2.7%)	$508,899 (-6.82%) Land $120,000 Building $388,899
2025	$5,898.00 (+12.04%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$456,878 (+2.9%)	$546,138 (+2.34%) Land $120,000 Building $426,138
2024	$5,264.00 (+1.98%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$444,002 (+3%)	$533,657 (+5.96%) Land $120,000 Building $413,657
2023	$5,162.00 (+2.73%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$431,070 (+3%)	$503,653 (+5.93%) Land $120,000 Building $383,653
2022	$5,025.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$418,515	$475,453 Land $90,720 Building $384,733

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 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	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 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	6 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 273 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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