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478 Montserrat Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 478 Montserrat Dr, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,126 sqft · built 2021
Lot Size0.18 acres (7,840 sqft)
OwnerIndividual Name on File
Last Sale$337,900 (Sep 2021)
Tax Bill$4,857 (2025)
Deeds & MortgagesSep 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN027442-2610

Property Details

APN / Parcel Number

Primary APN027442-2610

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area2,126 sqft Living Area
Gross Area2,700 sqft
1st Floor Area2,126 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,840 sqft (0.18 acres)
Garage TypeAttached
Garage Area414 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area160 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address478 MONTSERRAT DR
CitySAINT AUGUSTINE
StateFL
Zip32092-1197
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description97/44-51 WINDWARD RANCH PHASE THIRTEEN LOT 261 OR5369/148
Legal Range28E
Legal Township06S
Legal Section36
Legal SubdivisionWINDWARD RANCH PHASE THIRTEEN
Legal Block1
Legal Lot Number261
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2017
Census Tract20906

Owner

Source: St. Johns County assessment roll, 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 RecordIndividual Name on File
Mailing Address478 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1197
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 15, 2021 · Amount on Record
Deed SaleSep 15, 2021 · Amount on Record
Deed Document Number2021101305
Deed Book / Page5369 / 148
Record UpdatedJun 8, 2026

September 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateSep 15, 2021
Property Address478 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1197
Document Number0053690148
Book / Page5369 / 148
Map ReferenceMB 97 PG 44-51
Instrument DateSep 2, 2021
Instrument2021101305
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 23, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,365.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9440 PHILIPS HWY STE 7, 7, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

NameVerified Name
Address478 MONTSERRAT DR, ST AUGUSTINE, FL 32092-1197

Mortgage

Document Number0005369154
DateSep 15, 2021
Instrument5369/154
Lender
NameVYSTAR CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueOct 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$366,375 (-2.2%) Land $100,000 Building $266,375$366,375 (-7.06%) Land $100,000 Building $266,375
2025$4,857.00 (+12.33%) Homeowner's exemption$374,604 (+2.9%)$394,193 (-2.88%) Land $100,000 Building $294,193
2024$4,324.00 (+1.96%) Homeowner's exemption$364,047 (+3%)$405,887 (+12.78%) Land $100,000 Building $305,887
2023$4,241.00 (+2.84%) Homeowner's exemption$353,444 (+3%)$359,892 (+4.88%) Land $90,720 Building $269,172
2022$4,124.00 Homeowner's exemption$343,150$343,150 Land $84,000 Building $259,150

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 74 policies
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

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 RiskModerate
above 61% of the US · lower than 65% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSJCU-CR214 MAINLAND WTP
serves 66,953 people · EPA ID FL2554447
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 66 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Hotwire Communications
Fiber		1,000 / 200

May also be available: AT&T, Xfinity.

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