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

St. Johns County property record for 428 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	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$239,900 (Aug 2015)
Tax Bill	$5,423 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`288108-3450`

Property Details

APN / Parcel Number

Primary APN	`288108-3450`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 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	10,454 sqft (0.24 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	428 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 345 OR4068/1968
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	345
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 records · APN 288108-3450

Assessment roll updated April 13, 2026 · Last verified June 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 File
Mailing Address	428 LAKE MONROE PL, SAINT AUGUSTINE, FL 32092-2495
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 10, 2015 · Amount on Record
Deed Sale	Aug 10, 2015 · Amount on Record
Prior Sale	Jun 27, 2011 · Amount on Record
Deed Document Number	201550155
Deed Book / Page	4068 / 1968
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	428 LAKE MONROE PL, SAINT AUGUSTINE, FL 32092-2495
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050101923
Date	Aug 07, 2020
Book Page	5010/1923
Instrument	2020065421

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 01, 2040

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$246,442 (+2.7%)	$367,762 (-1.74%) Land $85,000 Building $282,762
2025	$5,423.00 (+9.27%) Homeowner's exemption	$239,963 (+5.99%)	$374,279 (-3.38%) Land $90,000 Building $284,279
2024	$4,963.00 (+1.97%)
2023	$4,867.00 (+2.92%) Homeowner's exemption	$226,408 (+3%)	$387,365 (+6.81%) Land $100,000 Building $287,365
2022	$4,729.00 Homeowner's exemption	$219,814	$362,670 Land $75,040 Building $287,630

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 239 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SJCU-NORTHWEST UTILITIES WTP serves 48,040 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.