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45 Garden Ct, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 45 Garden Ct, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,773 sqft · built 2023
Lot Size0.16 acres (6,969 sqft)
Owner2 Individual Names on File
Last Sale$532,700 (Apr 2023)
Tax Bill$9,102 (2025)
Deeds & MortgagesApr 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN027450-0810

Property Details

APN / Parcel Number

Primary APN027450-0810

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures14 Plumbing Fixtures
Stories2 Stories
Building Area2,773 sqft Living Area
Gross Area3,442 sqft
1st Floor Area1,577 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,969 sqft (0.16 acres)
Garage TypeAttached
Garage Area409 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area260 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address45 GARDEN CT
CitySAINT AUGUSTINE
StateFL
Zip32092-3572
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description111/48-54 GRAND OAKS PHASE 1D UNIT 2 LOT 81 OR5742/1529
Legal Range28
Legal Township06
Legal Section35
Legal SubdivisionGRAND OAKS PHASE 1D UNIT 2
Legal Phase1D
Legal Block1
Legal Lot Number81
Legal Unit2
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2017
Census Tract20906

Owner

Source: St. Johns County records · APN 027450-0810

Assessment roll updated April 13, 2026 · Last verified April 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 File
Mailing Address45 GARDEN CT, SAINT AUGUSTINE, FL 32092-3572
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 19, 2023 · Amount on Record
Deed SaleApr 19, 2023 · Amount on Record
Deed Document Number202329449
Deed Book / Page5742 / 1529
Record UpdatedJun 08, 2026

April 2023: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateApr 19, 2023
Property Address45 GARDEN CT, SAINT AUGUSTINE, FL 32092-3572
Document Number0057421529
Book / Page5742 / 1529
Map ReferenceMB 111 PG 48-54
Instrument DateApr 14, 2023
Instrument2023029449
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 12, 2024
Title CompanyPGP TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,728.90
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12724 GRAN BAY PKWY W # W200, W200, JACKSONVILLE, FL 32258-9485

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 GARDEN CT, ST AUGUSTINE, FL 32092-3572

Mortgage

Document Number0057421531
DateApr 19, 2023
Instrument5742/1531
Lender
NamePULTE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2053

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$434,623 (-3.62%) Land $110,000 Building $324,623$434,623 (-3.62%) Land $110,000 Building $324,623
2025$9,102.00 (+5.49%) Homeowner's exemption$450,958 (+0.05%)$450,958 (+0.05%) Land $95,000 Building $355,958
2024$8,628.00 (+124.8%) Homeowner's exemption$450,732 (+906.1%)$450,732 (+906.1%) Land $75,000 Building $375,732
2023$3,838.00 (+16.91%)$44,800 (-)$44,800 (-) Land $44,800
2022$3,283.00$44,800$44,800 Land $44,800

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 121090209062, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 74 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies74 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimJan 2024, other causes

Wildfire

Wildfire RiskModerate
above 54% of the US · above 25% of Florida
Wildfire LikelihoodAbout 1 in 662 per year
ExposureDirect
burnable vegetation at the parcel

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 187 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Hotwire CommunicationsFiber1,000 / 200
StarlinkSatellite (low-earth orbit)280 / 30

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

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