St. Johns County property record for 406 Twin Lakes Dr, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,640 sqft · built 2018 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Jun 2016) |
| Tax Bill | $2,965 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 136074-0660 |
| Primary APN | 136074-0660 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,640 sqft Living Area |
| Gross Area | 2,340 sqft |
| 1st Floor Area | 1,640 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,147 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 306 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 406 TWIN LAKES DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-8374 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 62/13-24 TWIN LAKES LOT 66 OR4546/1044 |
| Legal Range | 29E |
| Legal Township | 08S |
| Legal Section | 03 |
| Legal Subdivision | TWIN LAKES |
| Legal Block | 1 |
| Legal Lot Number | 66 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | HASTINGS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 21103 |
406 Twin Lakes Dr is owned and occupied by an individual who bought it in June 2016.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 406 TWIN LAKES DR, SAINT AUGUSTINE, FL 32084-8374 |
| 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 |
|---|---|
| Jun 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| May 14, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI AMERIS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 2016 · Amount on File |
| Deed Sale | Jun 21, 2016 · Amount on File |
| Deed Document Number | 201639063 |
| Deed Book / Page | 4210 / 761 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 406 TWIN LAKES DR, SAINT AUGUSTINE, FL 32084-8374 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0049740816 |
|---|---|
| Date | Jun 26, 2020 |
| Book Page | 4974/816 |
| Instrument | 2020050619 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 14, 2018 |
| Property Address | 406 TWIN LAKES DR, SAINT AUGUSTINE, FL 32084-8374 |
| Document Number | 0045461044 |
| Book / Page | 004546 / 001044 |
| Instrument Date | May 14, 2018 |
| Instrument | 33064 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,749.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 TWIN LAKES DR ST AUGUSTINE FL 320848374, ST AUGUSTINE, FL 32084-8374 |
| Document Number | 45461046 |
|---|---|
| Date | May 14, 2018 |
| Book Page | 004546/001046 |
| Instrument | 33065 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 13, 2048 |
The 2025 property tax bill for 406 Twin Lakes Dr was $2,965 with a homeowner's exemption, up 13.5% from the year before.
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 | $240,457 (+2.7%) | $343,471 (+5.21%) Land $75,000 Building $268,471 | |
| 2025 | $2,965.00 (+13.51%) Homeowner's exemption | $234,135 | $326,477 Land $75,000 Building $251,477 |
| 2024 | $2,612.00 (+2.11%) | ||
| 2023 | $2,558.00 (+3.27%) Homeowner's exemption | $220,909 (+3%) | $341,012 (+10.43%) Land $75,000 Building $266,012 |
| 2022 | $2,477.00 Homeowner's exemption | $214,475 | $308,795 Land $78,400 Building $230,395 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Twin Lakes Dr in Zone X, an area of minimal flood risk.
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 File median of 119 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 119 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 risk around 406 Twin Lakes Dr is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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.
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 204 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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