St. Johns County property record for 409 Lone Cypress Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,512 sqft · built 2023 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $729,500 (Sep 2023) |
| Tax Bill | $10,666 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 027453-1020 |
| Primary APN | 027453-1020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,512 sqft Living Area |
| Gross Area | 3,333 sqft |
| 1st Floor Area | 2,512 sqft |
| Flooring | Wood |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 568 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 253 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 409 LONE CYPRESS WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-0158 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 114/53-63 GRAND OAKS PHASE 2A UNIT 1 LOT 102 OR5821/1851 |
| Legal Subdivision | GRAND OAKS PHASE 2A UNIT 1 |
| Legal Block | 1 |
| Legal Lot Number | 102 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 20906 |
409 Lone Cypress Way is owned and occupied by two individuals who bought it in September 2023.
Source: St. Johns County records, as of April 13, 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 LONE CYPRESS WAY, SAINT AUGUSTINE, FL 32092-0158 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 7, 2023 · Amount on File |
| Deed Sale | Sep 7, 2023 · Amount on File |
| Deed Document Number | 202370947 |
| Deed Book / Page | 5821 / 1851 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 7, 2023 |
| Property Address | 409 LONE CYPRESS WAY, SAINT AUGUSTINE, FL 32092-0158 |
| Document Number | 0058211851 |
| Book / Page | 5821 / 1851 |
| Map Reference | MB 114 PG 53-63 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 2023070947 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | PGP TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,106.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12724 GRAN BAY PKWY W # W200, W200, JACKSONVILLE, FL 32258-9485 |
| Name | Verified Name |
|---|---|
| Address | 409 LONE CYPRESS WAY, SAINT AUGUSTINE, FL 32092-0158 |
| Document Number | 0058211866 |
|---|---|
| Date | Sep 7, 2023 |
| Instrument | 5821/1866 |
| Name | SHELTER HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
The 2025 property tax bill for 409 Lone Cypress Way was $10,666 with a homeowner's exemption, up 7.5% 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 | $500,411 (-7.69%) Land $95,000 Building $405,411 | $500,411 (-8.07%) Land $95,000 Building $405,411 | |
| 2025 | $10,666.00 (+7.53%) Homeowner's exemption | $542,076 (+2.9%) | $544,318 (+3.33%) Land $105,000 Building $439,318 |
| 2024 | $9,919.00 (+152.97%) Homeowner's exemption | $526,799 (+1,075.89%) | $526,799 (+1,075.89%) Land $105,000 Building $421,799 |
| 2023 | $3,921.00 | $44,800 | $44,800 Land $44,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 409 Lone Cypress Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 74 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 74 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2024 · other causes |
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 409 Lone Cypress Way is moderate, ranking above 64% 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 64% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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-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 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hotwire Communications Fiber | 1,000 / 200 |
5G (outdoors only) and 4G LTE
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