St. Johns County property record for 417 Montego Bay Ct, Saint Augustine, FL 32080
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,625 sqft · built 2000 |
| Owner | Company Name on File |
| Last Sale | $590,000 (Mar 2022) |
| Tax Bill | $6,827 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 175880-0417 |
| Primary APN | 175880-0417 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,625 sqft Living Area |
| 1st Floor Area | 1,625 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Street Address | 417 MONTEGO BAY CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32080-8055 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | VILLAS OF OCEAN GATE CONDO (OR1419/749) & AMENDMENTS (OR1515/1797 1574/349 & OR1701/1509) UNIT 417 (O) FKA OCEAN GATE CONDO PH 2 OR5516/974 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 15 |
| Legal Subdivision | VILLAS OF OCEAN GATE |
| Legal Phase | 2 |
| Legal Lot Number | 417 |
| Legal Unit | 417 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 21403 |
Source: St. Johns County assessment roll, 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 | Company Name on File |
|---|---|
| Mailing Address | 13635 MALLARD WAY, WEST PALM BEACH, FL 33418-8667 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Mar 16, 2022 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 29, 2020 | Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 16, 2022 · Amount on Record |
| Deed Sale | Mar 16, 2022 · Amount on Record |
| Prior Sale | Jun 29, 2020 · Amount on Record |
| Deed Document Number | 202228054 |
| Deed Book / Page | 5516 / 974 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 16, 2022 |
| Property Address | 417 MONTEGO BAY CT, SAINT AUGUSTINE, FL 32080-8055 |
| Document Number | 0055160974 |
| Book / Page | 5516 / 974 |
| Map Reference | MB 1418 PG 843 |
| Instrument Date | Mar 8, 2022 |
| Instrument | 2022028054 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,130.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3604 NW 31ST ST, GAINESVILLE, FL 32605-2187 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 13635 MALLARD WAY, WEST PALM BEACH, FL 33418-8667 |
| Document Number | 0005516976 |
|---|---|
| Date | Mar 16, 2022 |
| Instrument | 5516/976 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 29, 2020 |
| Property Address | 417 MONTEGO BAY CT, SAINT AUGUSTINE, FL 32080-8055 |
| Document Number | 0049760346 |
| Book / Page | 4976 / 346 |
| Map Reference | MB 1418 PG 843 |
| Instrument Date | Jun 29, 2020 |
| Instrument | 2020051328 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | ACTION TTL SVCS OF ST JOHNS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,660.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 6, BASS HARBOR, ME 04653-0006 |
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 3604 NW 31ST ST, GAINESVILLE, FL 32605-2187 |
| Document Number | 4976348 |
|---|---|
| Date | Jun 29, 2020 |
| Instrument | 4976/348 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 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 | $504,804 (-) Building $504,804 | $504,804 (-) Building $504,804 | |
| 2025 | $6,827.00 (+7.33%) | $504,804 (-) | $504,804 (-) |
| 2024 | $6,361.00 (-1.18%) | $504,804 (-) | $504,804 (-) |
| 2023 | $6,437.00 (+41.29%) | $504,804 (+38.3%) | $504,804 (+38.3%) |
| 2022 | $4,556.00 | $365,000 | $365,000 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 172 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 773 units insured incl. 601 condo units |
| Nearby Flood Claims | 9 (2001–2025) |
| Claims Outside the SFHA | 9 of 9 |
| Most Recent Claim | Oct 2025 · other causes |
| Claims by Event |
|
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 | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 390 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: AT&T, IQ Fiber Intermediate Holdings, T-Mobile USA, Verizon.
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