440 Ocean Cay Blvd, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 440 Ocean Cay Blvd, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,040 sqft · built 2015
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Jun 2020)
Tax Bill	$5,492 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`162881-0060`

Property Details

APN / Parcel Number

Primary APN	`162881-0060`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,040 sqft Living Area
Gross Area	2,722 sqft
1st Floor Area	2,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	466 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Finished Screened Porch
Porch Area	450 sqft
Patio Area	550 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	440 OCEAN CAY BLVD
City	SAINT AUGUSTINE
State	FL
Zip	32080-4804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	71/23-28 OCEAN CAY LOT 6 OR4957/1340
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	OCEAN CAY
Legal Block	1
Legal Lot Number	6
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3016
Census Tract	21408

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 Record	2 Individual Names on Record
Mailing Address	440 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-4804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jun 4, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2020 · Amount on Record
Deed Sale	Jun 4, 2020 · Amount on Record
Prior Sale	Mar 27, 2015 · Amount on Record
Deed Document Number	202043315
Deed Book / Page	4957 / 1340
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	440 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-4804
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055530046
Date	May 5, 2022
Book Page	5553/46
Instrument	2022046349

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	440 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-4804
Transaction Type	Mortgage
Record Updated	Feb 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-4804

Mortgage

Document Number	0051641670
Date	Jan 29, 2021
Book Page	5164/1670
Instrument	2021010199

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 4, 2020
Property Address	440 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-4804
Document Number	0049571340
Book / Page	4957 / 1340
Map Reference	MB 71 PG 23-28
Instrument Date	Jun 2, 2020
Instrument	2020043315
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 SAILFISH DR, 7, PALM COAST, FL 32137-1408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 OCEAN CAY BLVD, SAINT AUGUSTINE, FL 32080-4804

Mortgage

Document Number	49571342
Date	Jun 4, 2020
Instrument	4957/1342

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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		$431,555 (+2.7%)	$537,875 (-8.45%) Land $135,000 Building $402,875
2025	$5,492.00 (+12.06%) Homeowner's exemption	$420,209 (+2.9%)	$587,515 (+3.12%) Land $135,000 Building $452,515
2024	$4,901.00 (+1.96%) Homeowner's exemption	$408,366 (+3%)	$569,754 (+7.65%) Land $122,000 Building $447,754
2023	$4,807.00 (+2.74%) Homeowner's exemption	$396,472 (+3%)	$529,245 (+5.9%) Land $122,000 Building $407,245
2022	$4,679.00 Homeowner's exemption	$384,924	$499,763 Land $117,600 Building $382,163

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 429 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	653 units insured incl. 224 condo units
Nearby Flood Claims	6 (2016–2024)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Matthew, Oct 2016 · 3 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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 System	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: IQ Fiber, Verizon.

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