St. Johns County property record for 481 Tortuga Bay Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,314 sqft · built 2013 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $370,000 (Oct 2020) |
| Tax Bill | $5,613 (2025) |
| Deeds & Mortgages | Jun 2018 Second Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026551-2430 |
| Primary APN | 026551-2430 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,314 sqft Living Area |
| Gross Area | 2,865 sqft |
| 1st Floor Area | 2,314 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 551 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1,075 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 217 sqft |
| Deck Area | Deck Area |
| Patio Area | 625 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 481 TORTUGA BAY DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-3211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 63/1-13 GLEN ST JOHNS PH 1 LOT 243 OR5079/1180 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 29 |
| Legal Subdivision | GLEN ST. JOHNS PHASE 1 |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 243 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 20908 |
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 | 481 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOWARD BANK |
| Sep 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Oct 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2020 · Amount on Record |
| Deed Sale | Oct 23, 2020 · Amount on Record |
| Prior Sale | Jul 14, 2015 · Amount on Record |
| Deed Document Number | 202094675 |
| Deed Book / Page | 5079 / 1180 |
| Prior Transfer Date | Jul 7, 2015 |
| Prior Transfer Doc | 0040561825 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 481 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3211 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0045630864 |
|---|---|
| Date | Jun 14, 2018 |
| Book Page | 4563/0864 |
| Instrument | 2018041750 |
| Name | HOWARD BANK |
|---|---|
| Type | Bank |
| Address | 00000 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 481 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3211 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 481 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3211 |
| Document Number | 0050401952 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 5040/1952 |
| Instrument | 2020077971 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Aug 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 23, 2020 |
| Property Address | 481 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3211 |
| Document Number | 0050791180 |
| Book / Page | 5079 / 1180 |
| Map Reference | MB 63 PG 1-13 |
| Instrument Date | Oct 20, 2020 |
| Instrument | 2020094675 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | WATSON TTL SVCS OF NORTH FL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 600781, JACKSONVILLE, FL 32260-0781 |
| Name | Verified Name |
|---|---|
| Address | 481 TORTUGA BAY DR, SAINT AUGUSTINE, FL 32092-3211 |
| Document Number | 0050791182 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 5079/1182 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $332,762 (+2.7%) | $451,629 (-5.04%) Land $100,000 Building $351,629 | |
| 2025 | $5,613.00 (+9.1%) Homeowner's exemption | $324,014 (+2.9%) | $475,595 (+6.82%) Land $112,000 Building $363,595 |
| 2024 | $5,145.00 (+4.4%) Homeowner's exemption | $314,882 (+3%) | $445,216 (+3.03%) Land $110,000 Building $335,216 |
| 2023 | $4,928.00 (+5.75%) Homeowner's exemption | $305,711 (+3%) | $432,112 (+4.92%) Land $105,000 Building $327,112 |
| 2022 | $4,660.00 Homeowner's exemption | $296,807 | $411,857 Land $89,600 Building $322,257 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 103 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 103 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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