St. Johns County property record for 44 Cato Ct, Saint Augustine, FL 32092 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2016 |
| Square Footage | 2,027 sqft Living Area |
| Lot Size | 10,018 sqft (0.23 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $100 (2026) |
| Tax Bill | $4,002.00 (2025) |
| Primary APN | 027442-2890 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Building Area | 2,027 sqft Living Area |
| Gross Area | 2,599 sqft Gross Area |
| 1st Floor | 2,027 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,018 sqft (0.23 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 420 sqft Garage |
| Porch Area | 177 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 44 CATO CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-1164 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 78/10-21 WINDWARD RANCH PHASE TWO LOT 289 OR4295/1432 & 5013/1679(D/M) &5369/399(Q/C) |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 36 |
| Legal Subdivision | WINDWARD RANCH PHASE TWO |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 289 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 2 |
| Census Block | 2017 |
| Census Tract | 20906 |
Source: St. Johns County records · APN 027442-2890
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 | 44 CATO CT, SAINT AUGUSTINE, FL 32092-1164 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 28, 2026 | Quit Claim Deed, Transfer · Veterans Administration Mortgage FREEDOM MORTGAGE CORPORATION |
| Sep 15, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Sep 15, 2021 | Divorce/Dissolution of Marriage Transfer, Transfer · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on Record |
| Deed Sale | May 28, 2026 · Amount on Record |
| Prior Sale | Dec 02, 2016 · Amount on Record |
| Deed Doc Number | 202645376 |
| Deed Book / Page | 6371 / 1162 |
| Prior Transfer Date | May 21, 2026 |
| Prior Transfer Doc | 0000045376 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 28, 2026 |
| Property Address | 44 CATO CT, SAINT AUGUSTINE, FL 32092-1164 |
| Document Number | 0000045376 |
| Book / Page | 6371 / 1162 |
| Instrument Date | May 21, 2026 |
| Instrument | 202645376 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44 CATO CT, SAINT AUGUSTINE, FL 32092-1164 |
| Document Number | 0000045377, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202645377 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 44 CATO CT, SAINT AUGUSTINE, FL 32092-1164 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 44 CATO CT, SAINT AUGUSTINE, FL 32092-1164 |
| Document Number | 0053690402 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 5369/402 |
| Instrument | 2021101355 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Divorce/Dissolution of Marriage Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 15, 2021 |
| Property Address | 44 CATO CT, SAINT AUGUSTINE, FL 32092-1164 |
| Document Number | 0053690399 |
| Book / Page | 5369 / 399 |
| Map Reference | MB 78 PG 10 |
| Instrument Date | Apr 15, 2020 |
| Instrument | 2021101354 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0005369402 |
|---|---|
| Date | Sep 15, 2021 |
| Instrument | 5369/402 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $388,335 (+22.85%) | $410,230 (+10.01%) Land $100,000 Building $310,230 | |
| 2025 | $4,002.00 (+12.8%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $316,100 (+2.9%) | $372,909 (-3.61%) Land $100,000 Building $272,909 |
| 2024 | $3,548.00 (+2.07%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $307,191 (+3%) | $386,866 (+11.89%) Land $100,000 Building $286,866 |
| 2023 | $3,476.00 (+3.02%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $298,244 (+3%) | $345,757 (+4.14%) Land $90,720 Building $255,037 |
| 2022 | $3,374.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $289,557 | $332,000 Land $84,000 Building $248,000 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 53% of the US · above 24% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 943 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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