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43 Serrao Ct, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 43 Serrao Ct, Saint Augustine, FL 32095

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,206 sqft · built 2025
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on Record
Last Sale$425,000 (May 2025)
Tax Bill$4,645 (2025)
Deeds & MortgagesMay 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN072571-2970

Property Details

APN / Parcel Number

Primary APN072571-2970

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures12 Plumbing Fixtures
Stories1 Story
Building Area2,206 sqft Living Area
Gross Area2,626 sqft
1st Floor Area1,658 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.17 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area162 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address43 SERRAO CT
CitySAINT AUGUSTINE
StateFL
Zip32095-6666
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description121/82-95 CORDOVA PALMS PHASE THREE LOT 297 OR6145/94
Legal SubdivisionCORDOVA PALMS PHASE THREE
Legal Block1
Legal Lot Number297
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group3
Census Block3008
Census Tract20904

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 Record2 Individual Names on Record
Mailing Address43 SERRAO CT, SAINT AUGUSTINE, FL 32095-6666
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 7, 2025 · Amount on Record
Deed SaleMay 7, 2025 · Amount on Record
Deed Document Number202536001
Deed Book / Page6145 / 94
Record UpdatedJun 8, 2026

May 2025: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateMay 7, 2025
Property Address43 SERRAO CT, SAINT AUGUSTINE, FL 32095-6666
Document Number0061450094
Book / Page6145 / 94
Map ReferenceMB 121 PG 82-95
Instrument DateApr 29, 2025
Instrument2025036001
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 13, 2026
Title CompanyGOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,975.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address43 SERRAO CT, ST AUGUSTINE, FL 32095-6666

Mortgage

Document Number0000614596
DateMay 7, 2025
Instrument6145/96
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2055

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$360,127 (+323.68%) Land $95,000 Building $265,127$360,127 (+323.68%) Land $95,000 Building $265,127
2025$4,645.00 (+34.83%) Homeowner's exemption$85,000 (+88.89%)$85,000 (+88.89%) Land $85,000
2024$3,445.00$45,000$45,000 Land $45,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 90 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies90 in force
Nearby Flood Claims6 (2016–2022)
Most Recent ClaimNov 2022 · Hurricane Nicole
Claims by Event
  • Hurricane Irma, Sep 2017 · 3 claims
  • Hurricane Matthew, Oct 2016 · 2 claims

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 RiskModerate
above 59% of the US · lower than 67% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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 SystemST. AUGUSTINE WS
serves 43,069 people · EPA ID FL2550210
Water SourceGroundwater
Last State InspectionSep 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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 139 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Utah Broadband
Fiber		2,000 / 2,000
Xfinity
Cable		2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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