405 Lake Monroe Pl, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 405 Lake Monroe Pl, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,408 sqft · built 2006
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$204,000 (Jul 2011)
Tax Bill	$5,615 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`288108-3570`

Property Details

APN / Parcel Number

Primary APN	`288108-3570`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	3,408 sqft Living Area
Gross Area	4,062 sqft
1st Floor Area	1,528 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	212 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 LAKE MONROE PL
City	SAINT AUGUSTINE
State	FL
Zip	32092-2495
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	56/45-54 SAINT JOHNS SIX MILE CREEK WEST UNIT 3B LOT 357 OR3453/1675
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	SAINT JOHNS SIX MILE CREEK WEST UNIT 3B
Legal Block	1
Legal Lot Number	357
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1004
Census Tract	20905

Owner

Source: St. Johns County assessment roll, 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	2 Individual Names on File
Mailing Address	405 LAKE MONROE PL, SAINT AUGUSTINE, FL 32092-2495
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 12, 2011 · Amount on Record
Deed Sale	Jul 12, 2011 · Amount on Record
Prior Sale	Jun 16, 2009 · Amount on Record
Deed Document Number	201134313
Deed Book / Page	3453 / 1675
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	405 LAKE MONROE PL, SAINT AUGUSTINE, FL 32092-2495
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 LAKE MONROE PL, SAINT AUGUSTINE, FL 32092-2495
Investor	Possibly a Property Investor

Mortgage

Document Number	0058590931
Date	Nov 20, 2023
Book Page	5859/931
Instrument	2023090844

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$261,034 (+2.7%)	$431,666 (-4.1%) Land $85,000 Building $346,666
2025	$5,615.00 (+9.33%) Homeowner's exemption	$254,171 (+2.9%)	$450,141 (-2.17%) Land $90,000 Building $360,141
2024	$5,136.00 (+1.97%) Homeowner's exemption	$247,008 (+3%)	$460,113 (-0.88%) Land $100,000 Building $360,113
2023	$5,037.00 (+2.88%) Homeowner's exemption	$239,814 (+3%)	$464,205 (+5.79%) Land $100,000 Building $364,205
2022	$4,896.00 Homeowner's exemption	$232,829	$438,794 Land $75,040 Building $363,754

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 84 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20