41 Playa De Luna Ln, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 41 Playa De Luna Ln, Saint Augustine, FL 32095

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,502 sqft · built 2025
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Jan 2026)
Tax Bill	$2,663 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026221-2540`

Property Details

APN / Parcel Number

Primary APN	`026221-2540`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,502 sqft Living Area
Gross Area	1,770 sqft
1st Floor Area	697 sqft
Flooring	Carpet

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,742 sqft (0.04 acres)
Garage Type	Attached
Garage Area	268 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	34 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	41 PLAYA DE LUNA LN
City	SAINT AUGUSTINE
State	FL
Zip	32095-0135
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	123/40-47 BRIDGEWATER PHASE 2B LOT 254 OR6284/862
Legal Subdivision	BRIDGEWATER PHASE 2B
Legal Block	1
Legal Lot Number	254
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2041
Census Tract	20904

Owner

41 Playa De Luna Ln, a townhouse, is owned by an individual who bought it in January 2026.

Source: St. Johns County records, as of June 17, 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	Individual Name on File
Mailing Address	334 ATLANTA DR, SAINT AUGUSTINE, FL 32092-1882
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2026 · Amount on File
Deed Sale	Jan 5, 2026 · Amount on File
Deed Document Number	2026570
Deed Book / Page	6284 / 862
Record Updated	Sep 20, 2026

January 2026: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 5, 2026
Property Address	41 PLAYA DE LUNA LN, SAINT AUGUSTINE, FL 32095-0135
Document Number	0062840862
Book / Page	6284 / 862
Map Reference	MB 123 PG 40-47
Instrument Date	Dec 30, 2025
Instrument	2026000570
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 16, 2026
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, RD100, ST JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	334 ATLANTA DR, ST AUGUSTINE, FL 32092-1882

Mortgage

Document Number	0006284864
Date	Jan 5, 2026
Instrument	6284/864

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.87%
Index	SOFR Average 30-Day
Max Rate	8.87%

Tax Assessment & Valuation

The 2025 property tax bill for 41 Playa De Luna Ln was $2,663, up 40.7% 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		$259,947 (+299.92%) Land $65,000 Building $194,947	$259,947 (+299.92%) Land $65,000 Building $194,947
2025	$2,663.00 (+40.68%)	$65,000	$65,000 Land $65,000
2024	$1,893.00

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 41 Playa De Luna Ln 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 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.

Wildfire

Wildfire risk around 41 Playa De Luna Ln is moderate, ranking above 60% 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 60% of the US · lower than 66% 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	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 225 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