409 Saint Vincent Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 409 Saint Vincent Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,027 sqft · built 2022
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on File
Last Sale	$382,400 (Jul 2022)
Tax Bill	$5,021 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Aug 2024 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027442-3030`

Property Details

APN / Parcel Number

Primary APN	`027442-3030`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,027 sqft Living Area
Gross Area	2,599 sqft
1st Floor Area	2,027 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 SAINT VINCENT DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-5409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	94/30-41 WINDWARD RANCH PHASE TWELVE LOT 303 OR5595/1727
Legal Range	28E
Legal Township	06S
Legal Section	36
Legal Subdivision	WINDWARD RANCH PHASE TWELVE
Legal Block	1
Legal Lot Number	303
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

Owner

409 Saint Vincent Dr is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	409 SAINT VINCENT DR, SAINT AUGUSTINE, FL 32092-5409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
Aug 5, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2022 · Amount on File
Deed Sale	Jul 12, 2022 · Amount on File
Deed Document Number	202268211
Deed Book / Page	5595 / 1727
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	409 SAINT VINCENT DR, SAINT AUGUSTINE, FL 32092-5409
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SAINT VINCENT DR, SAINT AUGUSTINE, FL 32092-5409

Mortgage

Document Number	0055951731
Date	Jul 12, 2022
Book Page	5595/1731
Instrument	2022068212

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.12%
Max Rate At Change	6.12%
Index	Other
Max Rate	9.12%

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	409 SAINT VINCENT DR, SAINT AUGUSTINE, FL 32092-5409
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SAINT VINCENT DR, ST AUGUSTINE, FL 32092-5409

Mortgage

Document Number	0059971780
Date	Aug 5, 2024
Book Page	5997/1780
Instrument	2024061389

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 31, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 409 Saint Vincent Dr was $5,021 with a homeowner's exemption, up 12.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$361,921 (-6.43%) Land $100,000 Building $261,921	$361,921 (-8.39%) Land $100,000 Building $261,921
2025	$5,021.00 (+12.25%) Homeowner's exemption	$386,789 (+2.9%)	$395,056 (-4.02%) Land $100,000 Building $295,056
2024	$4,473.00 (+1.98%) Homeowner's exemption	$375,888 (+3%)	$411,622 (+12.79%) Land $100,000 Building $311,622
2023	$4,386.00 (+272.01%) Homeowner's exemption	$364,940 (+334.45%)	$364,940 (+334.45%) Land $90,720 Building $274,220
2022	$1,179.00	$84,000	$84,000 Land $84,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 409 Saint Vincent Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 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

Wildfire risk around 409 Saint Vincent Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 203 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 / 250

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Saint Vincent Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures