45 Costa del Sol Dr, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 45 Costa del Sol Dr, Saint Augustine, FL 32095 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,099 sqft · built 2019
Lot Size	0.53 acres (23,086 sqft)
Owner	2 Individual Names on File
Last Sale	$895,200 (Apr 2019)
Tax Bill	$20,177 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072426-0030`

Property Details

APN / Parcel Number

Primary APN	`072426-0030`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Stories	1 Story
Building Area	4,099 sqft Living Area
Gross Area	4,893 sqft
1st Floor Area	2,744 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,086 sqft (0.53 acres)
Garage Type	Attached
Garage Area	794 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45 COSTA DEL SOL DR
City	SAINT AUGUSTINE
State	FL
Zip	32095-4870
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	75/79-88 MARSHALL CREEK DRI UNIT EV-4/EV-5B LOT 3 OR4702/1414
Legal Range	29E
Legal Township	05S
Legal Section	44
Legal Subdivision	MARSHALL CREEK DRI UNIT EV-4EV-5B
Legal Block	1
Legal Lot Number	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4002
Census Tract	20606

Owner

Source: St. Johns County records · APN 072426-0030

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	45 COSTA DEL SOL DR, SAINT AUGUSTINE, FL 32095-4870
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · Line of Credit WHITNEY BANK
Apr 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING LLC
Apr 02, 2020	Deed of Trust, Mortgage PLANET HM LNDG
Apr 02, 2019	Warranty Deed, Transfer · Conventional Mortgage PLANET HOME LENDING LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 02, 2019 · Amount on Record
Deed Sale	Apr 02, 2019 · Amount on Record
Prior Sale	Feb 24, 2016 · Amount on Record
Deed Document Number	201922018
Deed Book / Page	4702 / 1414
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	45 COSTA DEL SOL DR, SAINT AUGUSTINE, FL 32095-4870
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 COSTA DEL SOL DR, SAINT AUGUSTINE, FL 32095-4870

Mortgage

Document Number	0055470158
Date	Apr 28, 2022
Book Page	5547/158
Instrument	2022043477

Lender

Name	WHITNEY BANK
Type	Bank
Address	STANFIELD, NC 28163

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 26, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	45 COSTA DEL SOL DR, SAINT AUGUSTINE, FL 32095-4870
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 COSTA DEL SOL DR, SAINT AUGUSTINE, FL 32095-4870

Mortgage

Document Number	0055461112
Date	Apr 27, 2022
Book Page	5546/1112
Instrument	2022043232

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	45 COSTA DEL SOL DR, SAINT AUGUSTINE, FL 32095-4870
Document Number	0049210989
Instrument Date	Apr 02, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 COSTA DEL SOL DR ST AUGUSTINE FL 320954870, ST AUGUSTINE, FL 32095-4870

Mortgage

Document Number	0049210989
Date	Apr 13, 2020
Book Page	004921/000989
Instrument	28688

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 02, 2019
Property Address	45 COSTA DEL SOL DR, SAINT AUGUSTINE, FL 32095-4870
Document Number	0047021414
Book / Page	4702 / 1414
Map Reference	MB 75 PG 79-88
Instrument Date	Mar 29, 2019
Instrument	2019022018
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,266.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 HICKORY HILL DR, 150, SAINT AUGUSTINE, FL 32095-7040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 COSTA DEL SOL DR, SAINT AUGUSTINE, FL 32095-4870

Mortgage

Document Number	2019022019
Date	Apr 02, 2019
Instrument	2019022019

Lender

Name	PLANET HOME LENDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,114,102 (-2.79%) Land $275,000 Building $839,102	$1,114,102 (-2.79%) Land $275,000 Building $839,102
2025	$20,177.00 (+12.33%) Homeowner's exemption	$1,146,046 (+6.34%)	$1,146,046 (+6.34%) Land $275,000 Building $871,046
2024	$17,962.00 (+3.59%)	$1,077,692 (-)	$1,077,692 (-) Land $250,000 Building $827,692
2023	$17,340.00 (+2.94%)	$1,077,692 (-0.24%)	$1,077,692 (-0.24%) Land $250,000 Building $827,692
2022	$16,845.00	$1,080,275	$1,080,275 Land $196,000 Building $884,275

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 56% of the US · above 27% of Florida
Wildfire Likelihood	About 1 in 909 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 131 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

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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