509 N Tree Garden Dr, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 509 N Tree Garden Dr, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,989 sqft · built 2007
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on File
Last Sale	$282,000 (May 2007)
Tax Bill	$3,016 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`101651-0650`

Property Details

APN / Parcel Number

Primary APN	`101651-0650`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,989 sqft Living Area
Gross Area	3,445 sqft
1st Floor Area	1,447 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	374 sqft
Porch	Finished/Open Porch
Porch Area	258 sqft
Deck Area	Deck Area
Patio Area	433 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	509 N TREE GARDEN DR
City	SAINT AUGUSTINE
State	FL
Zip	32086-5231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	55/77-88 HIDEAWAY AT OLD MOULTRIE LOT 65 OR2909/1522 &3345/1702(Q/C)
Legal Range	29E
Legal Township	07S
Legal Section	36
Legal Subdivision	HIDEAWAY AT OLD MOULTRIE
Legal Block	1
Legal Lot Number	65
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1016
Census Tract	21301

Owner

Source: St. Johns County records, as of June 17, 2026

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

Owner of Record	Individual Name on File
Mailing Address	509 N TREE GARDEN DR, SAINT AUGUSTINE, FL 32086-5231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Dec 6, 2017	Deed of Trust, Mortgage · Conventional with PMI VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2007 · Amount on File
Deed Sale	May 1, 2007 · Amount on File
Deed Document Number	200729524
Deed Book / Page	2909 / 1522
Last Transfer Date	Aug 13, 2010
Transfer Doc	0033451702
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	509 N TREE GARDEN DR, SAINT AUGUSTINE, FL 32086-5231
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 N TREE GARDEN DR, ST AUGUSTINE, FL 32086-5231

Mortgage

Document Number	0054030509
Date	Oct 26, 2021
Book Page	5403/509
Instrument	2021116334

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	509 N TREE GARDEN DR, SAINT AUGUSTINE, FL 32086-5231
Document Number	0044770001
Book / Page	004477 / 000001
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 N TREE GARDEN DR ST AUGUSTINE FL 320865231, ST AUGUSTINE, FL 32086-5231

Mortgage

Document Number	0044770001
Date	Dec 15, 2017
Book Page	004477/000001
Instrument	84844

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$243,505 (+2.7%)	$391,935 (-1.03%) Land $90,000 Building $301,935
2025	$3,016.00 (+13.43%) Homeowner's exemption	$237,103 (+5.99%)	$396,009 (-2.4%) Land $90,000 Building $306,009
2024	$2,659.00 (+2.11%)
2023	$2,604.00 (+3.25%) Homeowner's exemption	$223,710 (+3%)	$405,731 (+9.31%) Land $90,000 Building $315,731
2022	$2,522.00 Homeowner's exemption	$217,194	$371,185 Land $75,040 Building $296,145

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	4 (2001–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma

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 Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 System	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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