St. Johns County property record for 423 Sophia Ter, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,200 sqft · built 2015 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $560,000 (Aug 2016) |
| Tax Bill | $10,671 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 072079-0420 |
| Primary APN | 072079-0420 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,200 sqft Living Area |
| Gross Area | 4,006 sqft |
| 1st Floor Area | 3,200 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Type | Attached |
| Garage Area | 806 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 288 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 586 sqft |
| Patio Area | 856 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 423 SOPHIA TER |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-6839 |
| 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 42 OR4238/581 |
| Legal Range | 29E |
| Legal Township | 06S |
| Legal Section | 03 |
| Legal Subdivision | MARSHALL CREEK DRI UNIT SV-2 |
| Legal Block | 4 |
| Legal Lot Number | 42 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4027 |
| Census Tract | 20606 |
423 Sophia Ter is owned and occupied by two individuals who bought it in August 2016.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 423 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6839 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2016 · Amount on File |
| Deed Sale | Aug 11, 2016 · Amount on File |
| Prior Sale | Sep 25, 2013 · Amount on File |
| Deed Document Number | 201651958 |
| Deed Book / Page | 4238 / 581 |
| Prior Transfer Date | Apr 17, 2015 |
| Prior Transfer Doc | 0040220182 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 423 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6839 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0050290143 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 5029/143 |
| Instrument | 2020073077 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2035 |
The 2025 property tax bill for 423 Sophia Ter was $10,671 with a homeowner's exemption, up 8.5% from the year before.
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 | $545,472 (+2.7%) | $842,179 (-5.02%) Land $210,000 Building $632,179 | |
| 2025 | $10,671.00 (+8.46%) Homeowner's exemption | $531,131 (+2.9%) | $886,650 (+2.71%) Land $225,000 Building $661,650 |
| 2024 | $9,839.00 (+2.56%) Homeowner's exemption | $516,162 (+3%) | $863,245 (-0.9%) Land $225,000 Building $638,245 |
| 2023 | $9,593.00 (+1.66%) Homeowner's exemption | $501,128 (+3%) | $871,053 (+10.55%) Land $225,000 Building $646,053 |
| 2022 | $9,436.00 Homeowner's exemption | $486,532 | $787,928 Land $196,000 Building $591,928 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 423 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 risk around 423 Sophia Ter is moderate, ranking above 61% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 64% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
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