412 Sophia Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 412 Sophia Ter, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,123 sqft · built 2017
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,500 (Aug 2017)
Tax Bill	$10,907 (2025)
Deeds & Mortgages	Feb 2026 Transfer Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072079-0130`

Property Details

APN / Parcel Number

Primary APN	`072079-0130`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	3,123 sqft Living Area
Gross Area	4,048 sqft
1st Floor Area	3,123 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
Garage Area	925 sqft
Parking Spaces	4 Parking Spaces
Porch	Finished/Open Porch
Porch Area	580 sqft
Patio Area	920 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 SOPHIA TER
City	SAINT AUGUSTINE
State	FL
Zip	32095-6859
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	44/25-29 MARSHALL CREEK DRI UNIT SV-2 LOT 13 OR4420/1219
Legal Range	29E
Legal Township	06S
Legal Section	03
Legal Subdivision	MARSHALL CREEK DRI UNIT SV-2
Legal Block	4
Legal Lot Number	13
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4028
Census Tract	20606

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	108 CORBATA LN, SAINT AUGUSTINE, FL 32095-7097
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Aug 14, 2017	Grant Deed, Subdivision Related Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2017 · Amount on Record
Deed Sale	Aug 1, 2017 · Amount on Record
Prior Sale	Dec 3, 2015 · Amount on Record
Deed Book / Page	4420 / 1219
Last Transfer Date	Jan 9, 2026
Transfer Doc	0063041753
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Feb 13, 2026
Property Address	412 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6859
Document Number	0063041753
Book / Page	6304 / 1753
Map Reference	MB 55 PG 37-40
Instrument Date	Jan 9, 2026
Instrument	2026012253
Transaction Type	Transfer
Record Updated	Feb 25, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 CORBATA LN, ST AUGUSTINE, FL 32095-7097

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CORBATA LN, ST AUGUSTINE, FL 32095-7097

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	412 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6859
Document Number	0049580896
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 SOPHIA TER ST AUGUSTINE FL 320956859, ST AUGUSTINE, FL 32095-6859

Mortgage

Document Number	0049580896
Date	Jun 5, 2020
Book Page	004958/000896
Instrument	43680

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2050

August 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 14, 2017
Property Address	412 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6859
Document Number	0044201219
Book / Page	004420 / 001219
Instrument Date	Aug 11, 2017
Instrument	56122
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,483.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 SOPHIA TERRACE ST ST AUGUSTINE FL 32095, ST AUGUSTINE, FL 32095

Mortgage

Document Number	44201220
Date	Aug 14, 2017
Book Page	004420/001220
Instrument	56123

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2047

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		$563,350 (+2.7%)	$838,386 (-5.25%) Land $210,000 Building $628,386
2025	$10,907.00 (+8.51%) Homeowner's exemption	$548,539 (+2.9%)	$884,832 (+2.04%) Land $225,000 Building $659,832
2024	$10,052.00 (+2.54%) Homeowner's exemption	$533,080 (+3%)	$867,169 (+1.58%) Land $225,000 Building $642,169
2023	$9,803.00 (+1.68%) Homeowner's exemption	$517,553 (+3%)	$853,700 (+9.65%) Land $225,000 Building $628,700
2022	$9,641.00 Homeowner's exemption	$502,479	$778,553 Land $196,000 Building $582,553

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 249 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	249 in force
Nearby Flood Claims	3 (2016–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2022 · Hurricane Nicole

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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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-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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 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 / 2,000

May also be available: T-Mobile.

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