518 Montserrat Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 518 Montserrat Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,654 sqft · built 2021
Lot Size	0.23 acres (10,018 sqft)
Owner	Individual Name on Record
Last Sale	$540,000 (May 2025)
Tax Bill	$4,410 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit May 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`027442-2660`

Property Details

APN / Parcel Number

Primary APN	`027442-2660`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,654 sqft Living Area
Gross Area	3,324 sqft
1st Floor Area	2,286 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	208 sqft
Patio Area	393 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	518 MONTSERRAT DR
City	ST AUGUSTINE
State	FL
Zip	32092-1198
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	97/44-51 WINDWARD RANCH PHASE THIRTEEN LOT 266 OR6152/1844
Legal Range	28E
Legal Township	06S
Legal Section	36
Legal Subdivision	WINDWARD RANCH PHASE THIRTEEN
Legal Block	1
Legal Lot Number	266
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

Owner

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	Individual Name on Record
Mailing Address	518 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1198
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
May 21, 2025	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Sep 14, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2025 · Amount on Record
Deed Sale	May 21, 2025 · Amount on Record
Prior Sale	Sep 14, 2021 · Amount on Record
Deed Document Number	202539962
Deed Book / Page	6152 / 1844
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	518 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1198
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1198

Mortgage

Document Number	0056540541
Date	Oct 25, 2022
Book Page	5654/541
Instrument	2022099175

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 21, 2025
Property Address	518 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1198
Document Number	0061521844
Book / Page	6152 / 1844
Map Reference	MB 97 PG 44
Instrument Date	May 9, 2025
Instrument	2025039962
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	UNKNOWN, ST JOHNS BLUE OCEAN TTL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7654 RIVER AVE, FLEMING ISLAND, FL 32003-8702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 MONTSERRAT DR, ST AUGUSTINE, FL 32092-1198

Mortgage

Document Number	0061521846
Date	May 21, 2025
Instrument	6152/1846

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

September 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 14, 2021
Property Address	518 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1198
Document Number	0053681141
Book / Page	5368 / 1141
Map Reference	MB 97 PG 44
Instrument Date	Sep 3, 2021
Instrument	2021101036
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,575.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 7, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 MONTSERRAT DR, SAINT AUGUSTINE, FL 32092-1198

Mortgage

Document Number	0053681145
Date	Sep 14, 2021
Instrument	5368/1145

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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		$372,189 (+9.02%)	$474,264 (+1.44%) Land $100,000 Building $374,264
2025	$4,410.00 (+12.53%) Homeowner's exemption	$341,385 (+2.9%)	$467,522 (-2.17%) Land $100,000 Building $367,522
2024	$3,919.00 (+1.98%) Homeowner's exemption	$331,764 (+3%)	$477,901 (+12.91%) Land $100,000 Building $377,901
2023	$3,843.00 (+2.89%) Homeowner's exemption	$322,101 (+3%)	$423,259 (+4.73%) Land $90,720 Building $332,539
2022	$3,735.00 Homeowner's exemption	$312,719	$404,140 Land $84,000 Building $320,140

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 Record median of 74 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	74 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 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 Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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 66 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Xfinity.

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