St. Johns County property record for 408 Stone Arbor Ln, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,139 sqft · built 2020 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $297,000 (Oct 2020) |
| Tax Bill | $334 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 181762-0580 |
| Primary APN | 181762-0580 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,139 sqft Living Area |
| Gross Area | 2,700 sqft |
| 1st Floor Area | 2,139 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 401 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 270 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 408 STONE ARBOR LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-1908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 94/77-87 ARBORS AT VALENCIA PHASE ONE LOT 58 OR5069/1220 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 18 |
| Legal Subdivision | ARBORS AT VALENCIA PHASE ONE |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 58 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21210 |
Source: St. Johns County records · APN 181762-0580
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 | Individual Name on File |
|---|---|
| Mailing Address | 408 STONE ARBOR LN, SAINT AUGUSTINE, FL 32086-1908 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jul 20, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Oct 13, 2020 | Grant Deed, Subdivision Related Transfer · VA Mortgage EAGLE HM MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 13, 2020 · Amount on Record |
| Deed Sale | Oct 13, 2020 · Amount on Record |
| Deed Document Number | 202090346 |
| Deed Book / Page | 5069 / 1220 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 408 STONE ARBOR LN, SAINT AUGUSTINE, FL 32086-1908 |
| Transaction Type | Mortgage |
| Record Updated | Dec 01, 2025 |
| Name | Verified Name |
|---|---|
| Address | 408 STONE ARBOR LN, SAINT AUGUSTINE, FL 32086-1908 |
| Document Number | 0062551646 |
|---|---|
| Date | Nov 12, 2025 |
| Book Page | 6255/1646 |
| Instrument | 2025092441 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 408 STONE ARBOR LN, SAINT AUGUSTINE, FL 32086-1908 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 408 STONE ARBOR LN, ST AUGUSTINE, FL 32086-1908 |
| Document Number | 0053221030 |
|---|---|
| Date | Jul 20, 2021 |
| Book Page | 5322/1030 |
| Instrument | 2021080446 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 13, 2020 |
| Property Address | 408 STONE ARBOR LN, SAINT AUGUSTINE, FL 32086-1908 |
| Document Number | 0050691220 |
| Book / Page | 005069 / 001220 |
| Instrument Date | Oct 02, 2020 |
| Instrument | 90346 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 28, 2020 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,079.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 408 STONE ARBOR LN ST AUGUSTINE FL 320861908, ST AUGUSTINE, FL 32086-1908 |
| Document Number | 50691224 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 005069/001224 |
| Instrument | 90347 |
| Name | EAGLE HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33172-3139 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 12, 2050 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $291,282 (+2.7%) | $371,986 (+6.48%) Land $100,000 Building $271,986 | |
| 2025 | $334.00 (+31.5%) Disabled Person's exemption Veteran's exemption | $283,624 (+5.99%) | $349,362 (-5%) Land $100,000 Building $249,362 |
| 2024 | $254.00 | ||
| 2023 | $254.00 (-91.52%) Disabled Person's exemption Veteran's exemption | $267,603 (+3%) | $367,736 (+26.07%) Land $100,000 Building $267,736 |
| 2022 | $2,994.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $259,809 | $291,697 Land $72,800 Building $218,897 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090212102, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 102 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 102 in force |
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 363 locations within half a mile · Last verified October 2026
| 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 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | SJCU-CR214 MAINLAND WTP serves 66,953 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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