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

St. Johns County property record for 408 Lake Monroe Pl, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,993 sqft · built 2006
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$405,000 (Jun 2025)
Tax Bill$7,260 (2025)
Deeds & MortgagesJul 2022 Sale & Mortgage
Aug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN288108-3400

Property Details

APN / Parcel Number

Primary APN288108-3400

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area1,993 sqft Living Area
Gross Area2,521 sqft
1st Floor Area1,993 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.17 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area132 sqft
Patio Area340 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address408 LAKE MONROE PL
CitySAINT AUGUSTINE
StateFL
Zip32092-2495
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal Description56/45-54 SAINT JOHNS SIX MILE CREEK WEST UNIT 3B LOT 340 OR6160/1809
Legal Range28E
Legal Township06S
Legal Section38
Legal SubdivisionSAINT JOHNS SIX MILE CREEK WEST UNIT 3B
Legal Block1
Legal Lot Number340
Legal Unit3
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1004
Census Tract20905

Owner

408 Lake Monroe Pl is owned and occupied by two individuals who bought it in June 2025.

Source: St. Johns County records, as of June 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address408 LAKE MONROE PL, SAINT AUGUSTINE, FL 32092-2495
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 7, 2022Warranty Deed, Transfer · Conventional Mortgage
TRUIST BANK
Aug 6, 2019Warranty Deed, Transfer · Conventional with PMI
VYSTAR CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 4, 2025 · Amount on File
Deed SaleJun 4, 2025 · Amount on File
Prior SaleJul 7, 2022 · Amount on File
Deed Document Number202543910
Deed Book / Page6160 / 1809
Record UpdatedOct 29, 2026

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJul 7, 2022
Property Address408 LAKE MONROE PL, SAINT AUGUSTINE, FL 32092-2495
Document Number0055930369
Book / Page5593 / 369
Map ReferenceMB 56 PG 45-54
Instrument DateJul 6, 2022
Instrument2022066851
Transaction TypeTransfer
Record UpdatedJul 21, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,953.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address437 SOPHIA TER, 437, SAINT AUGUSTINE, FL 32095-6839

Transferred To (Grantee/Buyer)

NameVerified Name
Address408 LAKE MONROE PL, SAINT AUGUSTINE, FL 32092-2495

Mortgage

Document Number0005593370
DateJul 7, 2022
Instrument5593/370
Lender
NameTRUIST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2052

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateAug 6, 2019
Property Address408 LAKE MONROE PL, SAINT AUGUSTINE, FL 32092-2495
Document Number0047730918
Book / Page004773 / 000918
Instrument DateAug 6, 2019
Instrument57512
Transaction TypeTransfer
Record UpdatedAug 16, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,883.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address408 LAKE MONROE PL ST AUGUSTINE FL 320922495, ST AUGUSTINE, FL 32092-2495

Mortgage

Document Number47730920
DateAug 6, 2019
Book Page004773/000920
Instrument57513
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32210
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueAug 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 408 Lake Monroe Pl was $7,260, up 5.4% from the year before.

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$333,808 (-1.13%) Land $85,000 Building $248,808$333,808 (-1.13%) Land $85,000 Building $248,808
2025$7,260.00 (+5.39%)$337,616$337,616 Land $90,000 Building $247,616
2024$6,889.00 (-0.69%)
2023$6,937.00 (+15.64%)$350,091 (+7.41%)$350,091 (+7.41%) Land $100,000 Building $250,091
2022$5,999.00$325,944$325,944 Land $75,040 Building $250,904

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 408 Lake Monroe Pl 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 84 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies84 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

Wildfire risk around 408 Lake Monroe Pl is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Water SystemSJCU-NORTHWEST UTILITIES WTP
serves 48,040 people · EPA ID FL2554471
Water SourceGroundwater
Last State InspectionJun 2024
Also Mapped HereSJCU-CR214 MAINLAND WTP
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 468 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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