422 Tortuga Bay Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 422 Tortuga Bay Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,204 sqft · built 2013
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$216,990 (Sep 2013)
Tax Bill	$4,906 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026551-2460`

Property Details

APN / Parcel Number

Primary APN	`026551-2460`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,204 sqft Living Area
Gross Area	2,820 sqft
1st Floor Area	2,204 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	30 sqft
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	422 TORTUGA BAY DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	63/1-13 GLEN ST JOHNS PH 1 LOT 246 OR3788/883
Legal Range	28E
Legal Township	05S
Legal Section	29
Legal Subdivision	GLEN ST. JOHNS PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	246
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2011
Census Tract	20908

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	422 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2023	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2013 · Amount on Record
Deed Sale	Sep 11, 2013 · Amount on Record
Deed Document Number	201360868
Deed Book / Page	3788 / 883
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	422 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3210
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3210

Mortgage

Document Number	0058171396
Date	Aug 30, 2023
Book Page	5817/1396
Instrument	2023068805

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	422 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3210
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092

Mortgage

Document Number	0054401129
Date	Dec 8, 2021
Book Page	5440/1129
Instrument	2021133065

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	422 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3210
Document Number	0045741867
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	422 TORTUGA BAY DR ST AUGUSTINE FL 320923210, ST AUGUSTINE, FL 32092-3210

Mortgage

Document Number	0045741867
Date	Jul 5, 2018
Book Page	004574/001867
Instrument	47599

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 4, 2033

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		$228,886 (+2.7%)	$368,085 (-4.83%) Land $100,000 Building $268,085
2025	$4,906.00 (+7.4%) Homeowner's exemption	$222,869 (+2.9%)	$386,775 (-0.71%) Land $112,000 Building $274,775
2024	$4,568.00 (+4.48%) Homeowner's exemption	$216,588 (+3%)	$389,541 (+3.68%) Land $110,000 Building $279,541
2023	$4,372.00 (+5.86%) Homeowner's exemption	$210,280 (+3%)	$375,720 (+4.44%) Land $105,000 Building $270,720
2022	$4,130.00 Homeowner's exemption	$204,155	$359,734 Land $89,600 Building $270,134

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 103 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	103 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

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

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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