411 Montserrat Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 411 Montserrat Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,737 sqft · built 2022
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$455,000 (May 2022)
Tax Bill	$4,521 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Mar 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`027442-2740`

Property Details

APN / Parcel Number

Primary APN	`027442-2740`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,737 sqft Living Area
Gross Area	2,382 sqft
1st Floor Area	1,737 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	204 sqft
Patio Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	411 MONTSERRAT DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-5402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	97/44-51 WINDWARD RANCH PHASE THIRTEEN LOT 274 OR5565/671
Legal Range	28E
Legal Township	06S
Legal Section	36
Legal Subdivision	WINDWARD RANCH PHASE THIRTEEN
Legal Block	1
Legal Lot Number	274
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

Owner

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	2 Individual Names on Record
Mailing Address	411 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-5402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Warranty Deed, Transfer · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC
Mar 18, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 24, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2022 · Amount on Record
Deed Sale	May 25, 2022 · Amount on Record
Prior Sale	Feb 24, 2022 · Amount on Record
Deed Document Number	202252979
Deed Book / Page	5565 / 671
Prior Transfer Date	Mar 16, 2022
Prior Transfer Doc	0055180596
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 25, 2022
Property Address	411 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-5402
Document Number	0055650671
Book / Page	5565 / 671
Map Reference	MB 97 PG 44-51
Instrument Date	May 23, 2022
Instrument	2022052979
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2920 OAKGROVE AVE, ST AUGUSTINE, FL 32092-3677

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 MONTSERRAT DR, ST AUGUSTINE, FL 32092-5402

Mortgage

Document Number	0005565673
Date	May 25, 2022
Instrument	5565/673

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Mar 18, 2022
Property Address	411 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-5402
Document Number	0055180596
Book / Page	5518 / 596
Map Reference	MB 97 PG 44
Instrument Date	Mar 16, 2022
Instrument	2022028956
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2920 OAKGROVE AVE, SAINT AUGUSTINE, FL 32092-3677

February 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 24, 2022
Property Address	411 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-5402
Document Number	0055001846
Book / Page	5500 / 1846
Map Reference	MB 97 PG 44
Instrument Date	Feb 23, 2022
Instrument	2022020523
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,488.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 7, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 MONTSERRAT DR, ST AUGUSTINE, FL 32092-5402

Mortgage

Document Number	0055001850
Date	Feb 24, 2022
Instrument	5500/1850

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

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		$338,740 (-3.13%) Land $100,000 Building $238,740	$338,740 (-6.22%) Land $100,000 Building $238,740
2025	$4,521.00 (+14.46%) Homeowner's exemption	$349,689 (+4.62%)	$361,219 (-1.22%) Land $100,000 Building $261,219
2024	$3,950.00 (+1.99%) Homeowner's exemption	$334,254 (+3%)	$365,681 (+12.68%) Land $100,000 Building $265,681
2023	$3,873.00 (+228.5%) Homeowner's exemption	$324,518 (+286.33%)	$324,518 (+286.33%) Land $90,720 Building $233,798
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

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 Record 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

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

Wildfire Risk	Moderate above 61% of the US · lower than 65% 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.

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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	1,000 / 200

May also be available: AT&T, Xfinity.

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