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45 Tesoro Ter, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 45 Tesoro Ter, Saint Augustine, FL 32095

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,166 sqft · built 2019
Lot Size0.37 acres (16,117 sqft)
Owner2 Individual Names on File
Last Sale$602,503 (May 2019)
Tax Bill$10,788 (2025)
Deeds & MortgagesApr 2026 Line of Credit
Oct 2020 Mortgage
+ 3 more
Flood ZoneZone X (moderate risk)
APN073431-1950

Property Details

APN / Parcel Number

Primary APN073431-1950

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures14 Plumbing Fixtures
Stories1 Story
Building Area3,166 sqft Living Area
Gross Area3,860 sqft
1st Floor Area2,740 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialStucco
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area16,117 sqft (0.37 acres)
Garage TypeAttached
Garage Area694 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area392 sqft
PorchFinished/Open Porch
Porch Area343 sqft
Patio Area585 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address45 TESORO TER
CitySAINT AUGUSTINE
StateFL
Zip32095-1645
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description64/15-24 MADEIRA AT ST AUGUSTINE PHASE 1B LOT 195 OR4730/155
Legal Range30E
Legal Township06S
Legal Section42
Legal SubdivisionMADEIRA AT ST AUGUSTINE PHASE 1B
Legal Phase1B
Legal Block1
Legal Lot Number195
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2043
Census Tract20606

Owner

45 Tesoro Ter is owned and occupied by two individuals who bought it in May 2019.

Source: St. Johns County records, as of May 7, 2026

Owner of Record2 Individual Names on File
Mailing Address45 TESORO TER, SAINT AUGUSTINE, FL 32095-1645
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Apr 27, 2026Deed of Trust, Mortgage · Line of Credit
BARWICK BKNG COMPANY
Oct 16, 2020Deed of Trust, Mortgage · Conventional Mortgage
BETTER MTG CORP ISAOA
May 28, 2019Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
JPMORGAN CHASE BANK NA
Sep 15, 2017Loan Modification, Mortgage
ATTORNEY ONLY
Sep 26, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 28, 2019 · Amount on File
Deed SaleMay 28, 2019 · Amount on File
Deed Document Number201936344
Deed Book / Page4730 / 155
Record UpdatedOct 29, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Recording DateApr 27, 2026
Property Address45 TESORO TER, SAINT AUGUSTINE, FL 32095-1645
Document Number0000035756
Book / Page6351 / 1387
Instrument DateApr 21, 2026
Instrument202635756
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 TESORO TER, SAINT AUGUSTINE, FL 32095-1645

Mortgage

Document Number0000035756,
DateApr 27, 2026
Book Page6351/1387
Instrument202635756
Lender
NameBARWICK BKNG COMPANY
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Rate6.38%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address45 TESORO TER, SAINT AUGUSTINE, FL 32095-1645
Document Number0050911285
Instrument DateOct 16, 2020
Transaction TypeMortgage
Record UpdatedNov 18, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address45 TESORO TERRACE ST ST AUGUSTINE FL 32095, ST AUGUSTINE, FL 32095

Mortgage

Document Number0050911285
DateNov 5, 2020
Book Page005091/001285
Instrument99775
Lender
NameBETTER MTG CORP ISAOA
AddressNEW YORK, NY 10271
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 4, 2050

May 2019: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateMay 28, 2019
Property Address45 TESORO TER, SAINT AUGUSTINE, FL 32095-1645
Document Number0047300155
Book / Page4730 / 0155
Map ReferenceMB 64 PG 15-24
Instrument DateMay 23, 2019
Instrument2019036344
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 2, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,218.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12276 SAN JOSE BLVD STE 120, 12276, JACKSONVILLE, FL 32223-8630

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 TESORO TER, SAINT AUGUSTINE, FL 32095-1645

Mortgage

Document Number0004730156
DateMay 28, 2019
Instrument4730/156
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2049

September 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address45 TESORO TER, SAINT AUGUSTINE, FL 32095-1645
Document Number0044400613
Instrument DateSep 15, 2017
Transaction TypeMortgage
Record UpdatedNov 20, 2018
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address12276 SAN JOSE BLVD #120 JACKSONVILLE FL 322238630, 120, JACKSONVILLE, FL 32223-8630
InvestorPossibly a Property Investor

September 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST JOHNS FL
Recording DateSep 26, 2017
Property Address45 TESORO TER, SAINT AUGUSTINE, FL 32095-1645
Document Number0044390385
Book / Page004439 / 000385
Instrument DateSep 15, 2017
Instrument65263
Transaction TypeTransfer
Record UpdatedOct 23, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$1,446.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address12276 SAN JOSE BLVD #120 JACKSONVILLE FL 322238630, 120, JACKSONVILLE, FL 32223-8630
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 45 Tesoro Ter was $10,788 with a homeowner's exemption, up 7.4% from the year before.

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$552,186 (+2.7%)$751,918 (+2.57%) Land $175,000 Building $576,918
2025$10,788.00 (+7.38%) Homeowner's exemption$537,669 (+2.9%)$733,082 (-5%) Land $150,000 Building $583,082
2024$10,047.00 (+2.73%) Homeowner's exemption$522,516 (+3%)$771,626 (+1.76%) Land $150,000 Building $621,626
2023$9,780.00 (+5.7%) Homeowner's exemption$507,297 (+3%)$758,269 (+19.32%) Land $135,000 Building $623,269
2022$9,253.00 Homeowner's exemption$492,521$635,495 Land $134,400 Building $501,095

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 Tesoro Ter in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 252 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies350 units insured
incl. 98 condo units
Nearby Flood Claims17 (2012–2024)
Claims Outside the SFHA1 of 17
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Irma, Sep 2017 · 4 claims
  • Hurricane Matthew, Oct 2016 · 6 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

Wildfire risk around 45 Tesoro Ter is moderate, ranking above 48% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 48% of the US · lower than 81% of Florida
Wildfire Likelihood0.07% annual chance
ExposureNone
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 SystemST. AUGUSTINE WS
serves 43,069 people · EPA ID FL2550210
Water SourceGroundwater
Last State InspectionSep 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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 132 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Hotwire Communications
Fiber		1,000 / 200
Verizon
Fixed Wireless		300 / 20

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