405 Saint Kitts Loop, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 405 Saint Kitts Loop, Saint Augustine, FL 32092 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	4 Baths
Year Built	Built 2016
Square Footage	3,165 sqft Living Area
Lot Size	10,018 sqft (0.23 acres)
Occupancy	Owner Occupied
Last Sale	$677,000 (2024)
Tax Bill	$4,472.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`027442-0320`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Building Area	3,165 sqft Living Area
Gross Area	3,993 sqft Gross Area
1st Floor	3,165 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	10,018 sqft (0.23 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	630 sqft Garage
Patio Area	260 sqft Patio

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	405 SAINT KITTS LOOP
City	SAINT AUGUSTINE
State	FL
Zip	32092-1182
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	75/43-56 WINDWARD RANCH PHASE ONE LOT 32 OR6047/1583
Legal Range	28E
Legal Township	06S
Legal Section	36
Legal Subdivision	WINDWARD RANCH PHASE ONE
Legal Phase	1
Legal Block	1
Legal Lot Number	32
Jurisdiction	ST JOHNS FL
Minor Civil Division	ST. AUGUSTINE
Census Blockgroup	2
Census Block	2017
Census Tract	20906

Owner

Source: St. Johns County records · APN 027442-0320

Assessment roll updated April 13, 2026 · Last verified April 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 SAINT KITTS LOOP, SAINT AUGUSTINE, FL 32092-1182
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 05, 2024 · Amount on Record
Deed Sale	Nov 05, 2024 · Amount on Record
Prior Sale	Jan 21, 2022 · Amount on Record
Deed Doc Number	202486753
Deed Book / Page	6047 / 1583
Record Refreshed	Jun 08, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	405 SAINT KITTS LOOP, SAINT AUGUSTINE, FL 32092-1182
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 PATCHES LN, PELL CITY, AL 35128-7296

Mortgage

Document Number	0054740943
Date	Jan 21, 2022
Book Page	5474/943
Instrument	2022007402

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

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		$355,391 (+2.7%)	$542,115 (-0.74%) Land $100,000 Building $442,115
2025	$4,472.00 (-25.6%) Homeowner's exemption	$346,048 (-30.59%)	$546,161 (+0.7%) Land $100,000 Building $446,161
2024	$6,011.00 (+1.92%) Homeowner's exemption	$498,538 (+3%)	$542,354 (+12.05%) Land $100,000 Building $442,354
2023	$5,898.00 (-4.99%) Homeowner's exemption	$484,017 (+3.71%)	$484,017 (+3.71%) Land $90,720 Building $393,297
2022	$6,208.00	$466,690	$466,690 Land $84,000 Building $382,690

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 59% of the US · above 32% of Florida
Wildfire Likelihood	About 1 in 877 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.