425 Lake Monroe Pl, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 425 Lake Monroe Pl, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,311 sqft · built 2006
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (May 2022)
Tax Bill	$7,239 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`288108-3520`

Property Details

APN / Parcel Number

Primary APN	`288108-3520`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,311 sqft Living Area
Gross Area	2,929 sqft
1st Floor Area	2,311 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	425 LAKE MONROE PL
City	SAINT AUGUSTINE
State	FL
Zip	32092-2495
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	56/45-54 SAINT JOHNS SIX MILE CREEK WEST UNIT 3B LOT 352 OR5560/625
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	SAINT JOHNS SIX MILE CREEK WEST UNIT 3B
Legal Block	1
Legal Lot Number	352
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1004
Census Tract	20905

Owner

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	2 Individual Names on File
Mailing Address	425 LAKE MONROE PL, SAINT AUGUSTINE, FL 32092-2495
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 17, 2022 · Amount on Record
Deed Sale	May 17, 2022 · Amount on Record
Prior Sale	May 16, 2012 · Amount on Record
Deed Document Number	202250194
Deed Book / Page	5560 / 625
Prior Transfer Date	May 10, 2022
Prior Transfer Doc	0055600625
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 17, 2022
Property Address	425 LAKE MONROE PL, SAINT AUGUSTINE, FL 32092-2495
Document Number	0055600625
Book / Page	5560 / 625
Map Reference	MB 56 PG 45-54
Instrument Date	May 10, 2022
Instrument	2022050194
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	153 N WAWECUS HILL RD, NORWICH, CT 06360-4062

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 LAKE MONROE PL, ST AUGUSTINE, FL 32092-2495

Mortgage

Document Number	0005560627
Date	May 17, 2022
Instrument	5560/627

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

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

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		$368,076 (-1.78%) Land $85,000 Building $283,076	$368,076 (-1.78%) Land $85,000 Building $283,076
2025	$7,239.00 (+5.49%) Homeowner's exemption	$374,745 (-2.57%)	$374,745 (-2.57%) Land $90,000 Building $284,745
2024	$6,862.00 (-0.32%) Homeowner's exemption	$384,624 (-0.16%)	$384,624 (-0.16%) Land $100,000 Building $284,624
2023	$6,884.00 (+7.98%) Homeowner's exemption	$385,257 (+6.85%)	$385,257 (+6.85%) Land $100,000 Building $285,257
2022	$6,375.00	$360,557	$360,557 Land $75,040 Building $285,517

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 84 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 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	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) 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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20