437 Sophia Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 437 Sophia Ter, Saint Augustine, FL 32095 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,510 sqft · built 2006
Lot Size	0.41 acres (17,859 sqft)
Owner	2 Individual Names on File
Last Sale	$1,665,000 (Feb 2022)
Tax Bill	$22,070 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072079-0450`

Property Details

APN / Parcel Number

Primary APN	`072079-0450`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	23 Plumbing Fixtures
Stories	1 Story
Building Area	4,510 sqft Living Area
Gross Area	5,444 sqft
1st Floor Area	3,176 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2016
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	17,859 sqft (0.41 acres)
Garage Type	Attached
Garage Area	934 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	421 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	437 SOPHIA TER
City	SAINT AUGUSTINE
State	FL
Zip	32095-6839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	44/25-29 MARSHALL CREEK DRI UNIT SV-2 LOT 45 OR5488/830
Legal Range	29E
Legal Township	05S
Legal Section	45
Legal Subdivision	MARSHALL CREEK DRI UNIT SV-2
Legal Block	4
Legal Lot Number	45
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4027
Census Tract	20606

Owner

Source: St. Johns County records · APN 072079-0450

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	2 Individual Names on File
Mailing Address	437 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 30, 2020	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Feb 08, 2022	Warranty Deed, Transfer PARADISE TITLE/STATE AUGUSTINE, PARADISE TTL OF ST AUGUSTINE
Nov 06, 2019	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 08, 2022 · Amount on Record
Deed Sale	Feb 08, 2022 · Amount on Record
Prior Sale	Nov 06, 2019 · Amount on Record
Deed Document Number	202214202
Deed Book / Page	5488 / 830
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	437 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6839
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046990801
Date	Mar 26, 2019
Book Page	4699/0801
Instrument	2019020417

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Mar 25, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	437 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6839
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 SOPGHIA TER, SAINT AUGUSTINE, FL 32095-6839

Mortgage

Document Number	0051090723
Date	Nov 30, 2020
Book Page	5109/723
Instrument	2020107655

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 08, 2022
Property Address	437 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6839
Document Number	0054880830
Book / Page	5488 / 830
Map Reference	MB 44 PG 25-29
Instrument Date	Feb 08, 2022
Instrument	2022014202
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	PARADISE TITLE/STATE AUGUSTINE, PARADISE TTL OF ST AUGUSTINE

Transaction

Amount	Amount Recorded
Tax	$11,655.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 SOPHIA TER, ST AUGUSTINE, FL 32095-6839

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 06, 2019
Property Address	437 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6839
Document Number	0048261722
Book / Page	4826 / 1722
Map Reference	MB 44 PG 25-29
Instrument Date	Nov 05, 2019
Instrument	2019083090
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2359 S PONTE VEDRA BLVD, 2359, PONTE VEDRA BEACH, FL 32082-4519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 SOPHIA TER, SAINT AUGUSTINE, FL 32095-6839

Mortgage

Document Number	0048261724
Date	Nov 06, 2019
Instrument	4826/1724

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2049

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,138,620 (-15.07%) Land $210,000 Building $928,620	$1,138,620 (-15.07%) Land $210,000 Building $928,620
2025	$22,070.00 (+8.53%)	$1,340,732 (+1.89%)	$1,340,732 (+1.89%) Land $225,000 Building $1,115,732
2024	$20,336.00 (-1.14%)	$1,315,882 (-0.96%)	$1,315,882 (-0.96%) Land $225,000 Building $1,090,882
2023	$20,570.00 (+55.6%)	$1,328,675 (+69.43%)	$1,328,675 (+10.24%) Land $225,000 Building $1,103,675
2022	$13,220.00 Homeowner's exemption	$784,221	$1,205,209 Land $196,000 Building $1,009,209

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090206064, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 249 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Nicole

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 22% of Florida
Wildfire Likelihood	About 1 in 1,136 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 79 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Fiber	2,000 / 2,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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