St. Johns County property record for 496 Montserrat Dr, Saint Augustine, FL 32092 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,667 sqft · built 2021 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $437,800 (Dec 2021) |
| Tax Bill | $5,760 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 027442-2630 |
| Primary APN | 027442-2630 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,667 sqft Living Area |
| Gross Area | 3,316 sqft |
| 1st Floor Area | 2,299 sqft |
| Flooring | Carpet |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,147 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 496 MONTSERRAT DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-1197 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 97/44-51 WINDWARD RANCH PHASE THIRTEEN LOT 263 OR5433/1646 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 36 |
| Legal Subdivision | WINDWARD RANCH PHASE THIRTEEN |
| Legal Block | 1 |
| Legal Lot Number | 263 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 20906 |
Source: St. Johns County records · APN 027442-2630
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 496 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1197 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2022 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Dec 02, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage LENNAR MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 02, 2021 · Amount on Record |
| Deed Sale | Dec 02, 2021 · Amount on Record |
| Deed Document Number | 2021130014 |
| Deed Book / Page | 5433 / 1646 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 496 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1197 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 496 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1197 |
| Document Number | 0055170229 |
|---|---|
| Date | Mar 16, 2022 |
| Book Page | 5517/229 |
| Instrument | 2022028369 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 01, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 02, 2021 |
| Property Address | 496 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1197 |
| Document Number | 0054331646 |
| Book / Page | 5433 / 1646 |
| Map Reference | MB 97 PG 44 |
| Instrument Date | Nov 29, 2021 |
| Instrument | 2021130014 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,064.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9440 PHILIPS HWY STE 7, 7, JACKSONVILLE, FL 32256-1339 |
| Name | Verified Name |
|---|---|
| Address | 496 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1197 |
| Document Number | 0054331650 |
|---|---|
| Date | Dec 02, 2021 |
| Instrument | 5433/1650 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $453,581 (+2.7%) | $469,923 (+1.44%) Land $100,000 Building $369,923 | |
| 2025 | $5,760.00 (+12.04%) Homeowner's exemption | $441,656 (+2.9%) | $463,260 (-3.17%) Land $100,000 Building $363,260 |
| 2024 | $5,141.00 (+1.92%) Homeowner's exemption | $429,209 (+3%) | $478,410 (+12.91%) Land $100,000 Building $378,410 |
| 2023 | $5,044.00 (+2.73%) Homeowner's exemption | $416,708 (+3%) | $423,708 (+4.73%) Land $90,720 Building $332,988 |
| 2022 | $4,910.00 Homeowner's exemption | $404,571 | $404,571 Land $84,000 Building $320,571 |
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
| 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 74 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 74 in force 67 of 74 on primary residences |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2024, other causes |
| Wildfire Risk | Moderate above 61% of the US · above 35% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 610 per year |
| Exposure | Direct 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures