St. Johns County property record for 405 Ocean Grove Cir, Saint Augustine, FL 32080
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 4,261 sqft · built 2008 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $920,000 (Mar 2016) |
| Tax Bill | $16,234 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 174191-2300 |
| Primary APN | 174191-2300 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 20 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 4,261 sqft Living Area |
| Gross Area | 4,897 sqft |
| 1st Floor Area | 1,696 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 636 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 1,253 sqft |
| Deck Area | 48 sqft |
| Patio Area | 700 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 OCEAN GROVE CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32080-8722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 36/34-39 SEA COLONY UNIT 2 OF THE BEACH CLUB AT ANASTASIA RESIDENTIAL CLUSTER DEVELOPMENT BLK B LOT 30 OR4157/1479 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 10 |
| Legal Subdivision | SEA COLONY UNIT 2 OF THE BEACH CLUB AT A |
| Legal Block | B |
| Legal Lot Number | 30 |
| Legal Unit | 2 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 21410 |
405 Ocean Grove Cir is owned and occupied by an individual who bought it in March 2016.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 OCEAN GROVE CIR, SAINT AUGUSTINE, FL 32080-8722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Apr 12, 2019 | Deed of Trust, Mortgage VYSTAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 3, 2016 · Amount on File |
| Deed Sale | Mar 3, 2016 · Amount on File |
| Prior Sale | Apr 4, 2013 · Amount on File |
| Deed Document Number | 201613268 |
| Deed Book / Page | 4157 / 1479 |
| Prior Transfer Date | Dec 9, 2005 |
| Prior Transfer Doc | 0026250215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 405 OCEAN GROVE CIR, SAINT AUGUSTINE, FL 32080-8722 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2021 |
| Name | Verified Name |
|---|---|
| Address | 405 OCEAN GROVE CIR, ST AUGUSTINE, FL 32080-8722 |
| Document Number | 0053670326 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 5367/326 |
| Instrument | 2021100446 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 405 OCEAN GROVE CIR, SAINT AUGUSTINE, FL 32080-8722 |
| Document Number | 0047100542 |
| Instrument Date | Apr 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 405 OCEAN GROVE CIR ST AUGUSTINE FL 320808722, ST AUGUSTINE, FL 32080-8722 |
| Document Number | 0047100542 |
|---|---|
| Date | Apr 17, 2019 |
| Book Page | 004710/000542 |
| Instrument | 26145 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, LA 32210 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Apr 16, 2034 |
The 2025 property tax bill for 405 Ocean Grove Cir was $16,234 with a homeowner's exemption, up 8.6% 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 Beach City |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,049,043 (+2.7%) | $1,673,690 (-3.22%) Land $407,000 Building $1,266,690 | |
| 2025 | $16,234.00 (+8.62%) Homeowner's exemption | $1,021,463 | $1,729,442 Land $407,000 Building $1,322,442 |
| 2024 | $14,946.00 (+1.8%) | ||
| 2023 | $14,682.00 (+1.45%) Homeowner's exemption | $963,762 (+3%) | $1,504,781 (+20.81%) Land $388,000 Building $1,116,781 |
| 2022 | $14,472.00 Homeowner's exemption | $935,691 | $1,245,580 Land $352,800 Building $892,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Ocean Grove Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AO, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 294 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 954 units insured incl. 660 condo units |
| Nearby Flood Claims | 5 (2016–2024) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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 405 Ocean Grove Cir is low, with 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 291 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber · Fixed Wireless · DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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