St. Johns County property record for 408 Sophia Ter, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,428 sqft · built 2012 |
| Lot Size | 0.46 acres (20,037 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $580,768 (Jul 2012) |
| Tax Bill | $11,505 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 072079-0140 |
| Primary APN | 072079-0140 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,428 sqft Living Area |
| Gross Area | 4,329 sqft |
| 1st Floor Area | 2,432 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,037 sqft (0.46 acres) |
| Garage Type | Attached |
| Garage Area | 901 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 675 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 408 SOPHIA TER |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-6859 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 44/25-29 MARSHALL CREEK DRI UNIT SV-2 LOT 14 OR3581/518 & 3584/250(C/D) |
| Legal Range | 29E |
| Legal Township | 06S |
| Legal Section | 03 |
| Legal Subdivision | MARSHALL CREEK DRI UNIT SV-2 |
| Legal Block | 4 |
| Legal Lot Number | 14 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 20606 |
408 Sophia Ter is owned and occupied by two individuals who bought it in July 2012.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6859 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2012 · Amount on File |
| Deed Sale | Jul 2, 2012 · Amount on File |
| Prior Sale | May 3, 2011 · Amount on File |
| Deed Document Number | 201237119 |
| Deed Book / Page | 3581 / 518 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 408 Sophia Ter was $11,505 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 |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $608,767 (+2.7%) | $800,723 (-8.64%) Land $210,000 Building $590,723 | |
| 2025 | $11,505.00 (+8.6%) Homeowner's exemption | $592,762 (+2.9%) | $876,410 (+2.11%) Land $225,000 Building $651,410 |
| 2024 | $10,594.00 (+2.51%) Homeowner's exemption | $576,056 (+3%) | $858,326 (-0.78%) Land $225,000 Building $633,326 |
| 2023 | $10,335.00 (+1.7%) Homeowner's exemption | $559,278 (+3%) | $865,063 (+10.1%) Land $225,000 Building $640,063 |
| 2022 | $10,162.00 Homeowner's exemption | $542,988 | $785,701 Land $196,000 Building $589,701 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 408 Sophia Ter in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2016.
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 249 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 249 in force |
| Nearby Flood Claims | 3 (2016–2022) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
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 408 Sophia Ter is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475 |
|---|---|
| Water Source | Purchased groundwater from JEA MAJOR GRID |
| Last State Inspection | Mar 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
May also be available: T-Mobile.
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