St. Johns County property record for 405 Saint Augustine South Dr, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,962 sqft · built 1988 |
| Lot Size | 0.28 acres (12,196 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $220,000 (Nov 2016) |
| Tax Bill | $3,854 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Apr 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 227840-0000 |
| Primary APN | 227840-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,962 sqft Living Area |
| Gross Area | 2,673 sqft |
| 1st Floor Area | 1,962 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,196 sqft (0.28 acres) |
| Lot Width | 120 ft Width |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 240 sqft |
| Deck Area | 236 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 SAINT AUGUSTINE SOUTH DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-6163 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 8-37 ST AUG SOUTH UT 5 LOTS 1141 THRU 1143 OR4292/1781 & 6261/604 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 31 |
| Legal Subdivision | ST. AUGUSTINE SOUTH UNIT 5 |
| Legal Block | 5 |
| Legal Lot Number | 1141 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 21302 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 405 SAINT AUGUSTINE SOUTH DR, SAINT AUGUSTINE, FL 32086-6163 |
| Owner Type | Company |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 21, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage VYSTAR CU |
| Apr 16, 2020 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2016 · Amount on Record |
| Deed Sale | Nov 30, 2016 · Amount on Record |
| Prior Sale | May 29, 2009 · Amount on Record |
| Deed Document Number | 201677988 |
| Deed Book / Page | 4292 / 1781 |
| Prior Transfer Date | Jul 8, 2009 |
| Prior Transfer Doc | 0032191269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 21, 2025 |
| Property Address | 405 SAINT AUGUSTINE SOUTH DR, SAINT AUGUSTINE, FL 32086-6163 |
| Document Number | 0062610604 |
| Book / Page | 6261 / 604 |
| Map Reference | MB 8 PG 32-37 |
| Instrument Date | Nov 10, 2025 |
| Instrument | 2025095401 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2025 |
| Title Company | LAND TITLE OF AMERICA INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 SAINT AUGUSTINE SOUTH DR, SAINT AUGUSTINE, FL 32086-6163 |
| Name | Verified Name |
|---|---|
| Address | 405 SAINT AUGUSTINE SOUTH DR, SAINT AUGUSTINE, FL 32086-6163 |
| Document Number | 0062610606 |
|---|---|
| Date | Nov 21, 2025 |
| Book Page | 6261/606 |
| Instrument | 2025095402 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 5-Year CMT |
| Max Rate | 10% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 405 SAINT AUGUSTINE SOUTH DR, SAINT AUGUSTINE, FL 32086-6163 |
| Document Number | 0049270317 |
| Instrument Date | Apr 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 405 SAINT AUGUSTINE SOUTH DR ST AUGUSTINE FL 320866163, ST AUGUSTINE, FL 32086-6163 |
| Document Number | 0049270317 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 004927/000317 |
| Instrument | 30825 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 20, 2030 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $304,791 (+2.7%) | $492,694 (-0.97%) Land $157,320 Building $335,374 | |
| 2025 | $3,854.00 (+12.62%) Homeowner's exemption | $296,778 (+2.9%) | $497,496 (+1.69%) Land $160,560 Building $336,936 |
| 2024 | $3,422.00 (+2.06%) Homeowner's exemption | $288,414 (+3%) | $489,225 (-1.75%) Land $160,560 Building $328,665 |
| 2023 | $3,353.00 (+28.66%) Homeowner's exemption | $280,014 (+26.19%) | $497,936 (+26.15%) Land $160,560 Building $337,376 |
| 2022 | $2,606.00 Homeowner's exemption | $221,907 | $394,715 Land $107,520 Building $287,195 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 76 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 76 in force |
| Nearby Flood Claims | 52 (1981–2019) |
| Claims Outside the SFHA | 17 of 52 |
| Most Recent Claim | Oct 2019 · other causes |
| 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.
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 284 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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