416 Sophia Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 416 Sophia Ter, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,625 sqft · built 2016
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$687,500 (May 2018)
Tax Bill	$9,840 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072079-0120`

Property Details

APN / Parcel Number

Primary APN	`072079-0120`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	21 Plumbing Fixtures
Stories	1 Story
Building Area	3,625 sqft Living Area
Gross Area	4,285 sqft
1st Floor Area	2,682 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	455 sqft
Porch	Finished/Open Porch
Porch Area	534 sqft
Patio Area	1,455 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	416 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 12 OR4540/1010
Legal Range	29E
Legal Township	06S
Legal Section	03
Legal Subdivision	MARSHALL CREEK DRI UNIT SV-2
Legal Block	4
Legal Lot Number	12
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4028
Census Tract	20606

Owner

416 Sophia Ter is owned and occupied by two individuals who bought it in May 2018.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	416 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6859
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 4, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
May 2, 2018	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 11, 2017	Special Warranty Deed, Subdivision Related Transfer · Unknown AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2018 · Amount on File
Deed Sale	May 2, 2018 · Amount on File
Prior Sale	May 11, 2017 · Amount on File
Deed Document Number	201829860
Deed Book / Page	4540 / 1010
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	416 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6859
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051710590
Date	Feb 4, 2021
Book Page	5171/590
Instrument	2021013061

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 2, 2018
Property Address	416 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6859
Document Number	0045401010
Book / Page	4540 / 1010
Map Reference	MB44 PG25-29
Instrument Date	Apr 27, 2018
Instrument	2018029860
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6859

Mortgage

Document Number	2018029861
Date	May 2, 2018
Instrument	2018029861

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

May 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 11, 2017
Property Address	416 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6859
Document Number	0043721029
Book / Page	4372 / 1029
Map Reference	MB44 PG25-29
Instrument Date	May 10, 2017
Instrument	2017032750
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12412 SAN JOSE BLVD STE 405, 12412, JACKSONVILLE, FL 32223-8620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6859

Mortgage

Document Number	2017032751
Date	May 11, 2017
Instrument	2017032751

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Unknown
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate
Rate	5.75%
Type Change Date	Jun 1, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.72%
Index	1-Year LIBOR
Max Rate	1.07%

Tax Assessment & Valuation

The 2025 property tax bill for 416 Sophia Ter was $9,840 with a homeowner's exemption, up 8.3% 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		$482,310 (+2.7%)	$930,026 (-7.98%) Land $210,000 Building $720,026
2025	$9,840.00 (+8.3%) Homeowner's exemption	$469,630 (+2.9%)	$1,010,695 (+0.12%) Land $225,000 Building $785,695
2024	$9,086.00 (+2.63%) Homeowner's exemption	$456,395 (+3%)	$1,009,513 (-0.97%) Land $225,000 Building $784,513
2023	$8,853.00 (+1.62%) Homeowner's exemption	$443,102 (+3%)	$1,019,421 (+9.36%) Land $225,000 Building $794,421
2022	$8,712.00 Homeowner's exemption	$430,196	$932,166 Land $196,000 Building $736,166

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

Flood

FEMA maps place 416 Sophia Ter in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2016.

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 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

Wildfire risk around 416 Sophia Ter is moderate, ranking above 43% of the US, with a 0.07% annual chance of 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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