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

St. Johns County property record for 423 Tortuga Bay Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,071 sqft · built 2013
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$292,199 (Nov 2013)
Tax Bill	$6,677 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026551-2380`

Property Details

APN / Parcel Number

Primary APN	`026551-2380`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	3,071 sqft Living Area
Gross Area	3,646 sqft
1st Floor Area	3,071 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	400 sqft
Porch	Finished/Open Porch
Porch Area	236 sqft
Patio Area	796 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	423 TORTUGA BAY DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	63/1-13 GLEN ST JOHNS PH 1 LOT 238 OR3817/269
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	238
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2008
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	Individual Name on Record
Mailing Address	423 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2018	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Nov 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2013 · Amount on Record
Deed Sale	Nov 22, 2013 · Amount on Record
Deed Document Number	201376670
Deed Book / Page	3817 / 269
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	423 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3211
Document Number	0046461016
Instrument Date	Nov 19, 2018
Transaction Type	Mortgage
Record Updated	Dec 12, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	423 TORTUGA BAY DR ST AUGUSTINE FL 320923211, ST AUGUSTINE, FL 32092-3211

Mortgage

Document Number	0046461016
Date	Nov 29, 2018
Book Page	004646/001016
Instrument	85039

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 28, 2028

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	423 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3211
Document Number	0044640566
Book / Page	004464 / 000566
Instrument Date	Nov 9, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	423 TORTUGA BAY DR ST AUGUSTINE FL 320923211, ST AUGUSTINE, FL 32092-3211

Mortgage

Document Number	0044640566
Date	Nov 17, 2017
Book Page	004464/000566
Instrument	78260

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 16, 2032

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		$363,885 (+2.7%)	$542,722 (-5.33%) Land $100,000 Building $442,722
2025	$6,677.00 (+8.22%) Homeowner's exemption	$354,318 (+2.9%)	$573,262 (+1.71%) Land $112,000 Building $461,262
2024	$6,170.00 (+3.75%) Homeowner's exemption	$344,332 (+3%)	$563,610 (+2.78%) Land $110,000 Building $453,610
2023	$5,947.00 (+4.87%) Homeowner's exemption	$334,303 (+3%)	$548,343 (+5.69%) Land $105,000 Building $443,343
2022	$5,671.00 Homeowner's exemption	$324,566	$518,806 Land $89,600 Building $429,206

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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