St. Johns County property record for 41 Focal Ct, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,738 sqft · built 2020 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $452,683 (Jun 2020) |
| Tax Bill | $9,339 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 023721-0370 |
| Primary APN | 023721-0370 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,738 sqft Living Area |
| Gross Area | 3,418 sqft |
| 1st Floor Area | 2,738 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 | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 680 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 41 FOCAL CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-7423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 89/53-88 BEACON LAKE PHASE 1 LOT 37 OR4952/1742 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 10 |
| Legal Subdivision | BEACON LAKE PHASE 1 |
| Legal Phase | 1 |
| Legal Lot Number | 37 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 20904 |
Source: St. Johns County records, as of April 13, 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 Record |
|---|---|
| Mailing Address | 41 FOCAL CT, SAINT AUGUSTINE, FL 32095-7423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 18, 2022 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Jan 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 1, 2020 | Special Warranty Deed, Transfer · Conventional Mortgage MATTAMY HOME FUNDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2020 · Amount on Record |
| Deed Sale | Jun 1, 2020 · Amount on Record |
| Deed Document Number | 202041380 |
| Deed Book / Page | 4952 / 1742 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 41 FOCAL CT, SAINT AUGUSTINE, FL 32095-7423 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 41 FOCAL CT, SAINT AUGUSTINE, FL 32095-7423 |
| Document Number | 0055171955 |
|---|---|
| Date | Mar 18, 2022 |
| Book Page | 5517/1955 |
| Instrument | 2022028831 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 41 FOCAL CT, SAINT AUGUSTINE, FL 32095-7423 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051520839 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 5152/839 |
| Instrument | 2021005213 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 1, 2020 |
| Property Address | 41 FOCAL CT, SAINT AUGUSTINE, FL 32095-7423 |
| Document Number | 0049521742 |
| Book / Page | 4952 / 1742 |
| Map Reference | MB 89 PG 53-88 |
| Instrument Date | May 27, 2020 |
| Instrument | 2020041380 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | SHEFFIELD & BOATRIGHT TTL SV |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,168.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7800 BELFORT PKWY, 7800, JACKSONVILLE, FL 32256-6941 |
| Name | Verified Name |
|---|---|
| Address | 41 FOCAL CT, SAINT AUGUSTINE, FL 32095-7423 |
| Document Number | 0049521743 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 4952/1743 |
| Instrument | 2020041381 |
| Name | MATTAMY HOME FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
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 | $453,165 (+2.7%) | $587,746 (-3.7%) Land $150,000 Building $437,746 | |
| 2025 | $9,339.00 (+7.82%) Homeowner's exemption Widower's exemption | $441,251 (+2.9%) | $610,304 (+1.52%) Land $150,000 Building $460,304 |
| 2024 | $8,662.00 (+3.24%) Homeowner's exemption Widower's exemption | $428,815 (+3%) | $601,168 (+11.6%) Land $150,000 Building $451,168 |
| 2023 | $8,390.00 (+2.4%) Homeowner's exemption Widower's exemption | $416,325 (+3%) | $538,696 (+11.87%) Land $130,000 Building $408,696 |
| 2022 | $8,193.00 Homeowner's exemption Widower's exemption | $404,199 | $481,554 Land $106,400 Building $375,154 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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