523 Turnberry Ln, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 523 Turnberry Ln, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,126 sqft · built 1994
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,182 (2025)
Deeds & Mortgages	Sep 2025 Transfer Feb 2023 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`172545-1570`

Property Details

APN / Parcel Number

Primary APN	`172545-1570`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,126 sqft Living Area
Gross Area	2,611 sqft
1st Floor Area	1,886 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	485 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	427 sqft
Patio Area	435 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	523 TURNBERRY LN
City	SAINT AUGUSTINE
State	FL
Zip	32080-5819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	20/72-92 MARSH CREEK UNIT 1 LOT 157 OR3611/914 & 6223/1619 (L/E)
Legal Range	30E
Legal Township	08S
Legal Section	04
Legal Subdivision	MARSH CREEK UNIT 1
Legal Block	1
Legal Lot Number	157
Legal Unit	1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1003
Census Tract	21408

Owner

523 Turnberry Ln is owned and occupied by two individuals who acquired it in September 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	523 TURNBERRY LN, SAINT AUGUSTINE, FL 32080-5819
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Intrafamily Transfer, Transfer
Feb 14, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 8, 2020	Deed of Trust, Mortgage CLEARPATH LNDG
Jun 12, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Nov 25, 2016	Deed of Trust, Mortgage · VA Mortgage MORTGAGE SOLUTIONS/CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 16, 2011
Transfer Doc	0034750862
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Sep 19, 2025
Property Address	523 TURNBERRY LN, SAINT AUGUSTINE, FL 32080-5819
Document Number	0062231619
Book / Page	6223 / 1619
Map Reference	MB 20 PG 72-92
Instrument Date	Sep 12, 2025
Instrument	2025076757
Transaction Type	Transfer
Record Updated	Oct 1, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	523 TURNBERRY LN, SAINT AUGUSTINE, FL 32080-5819

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	523 TURNBERRY LN, SAINT AUGUSTINE, FL 32080-5819

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	523 TURNBERRY LN, SAINT AUGUSTINE, FL 32080-5819
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 TURNBERRY LN, SAINT AUGUSTINE, FL 32080-5819

Mortgage

Document Number	0057090059
Date	Feb 14, 2023
Book Page	5709/59
Instrument	2023011545

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	523 TURNBERRY LN, SAINT AUGUSTINE, FL 32080-5819
Document Number	0049421871
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	523 TURNBERRY LN ST AUGUSTINE FL 320805819, ST AUGUSTINE, FL 32080-5819

Mortgage

Document Number	0049421871
Date	May 14, 2020
Book Page	004942/001871
Instrument	37224

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 13, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	523 TURNBERRY LN, SAINT AUGUSTINE, FL 32080-5819
Document Number	0043901797
Book / Page	004390 / 001797
Instrument Date	Jun 12, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2017
Title Company	DB TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 TURNBERRY LN ST AUGUSTINE FL 320805819, ST AUGUSTINE, FL 32080-5819

Mortgage

Document Number	0043901797
Date	Jun 19, 2017
Book Page	004390/001797
Instrument	42025

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2047

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	523 TURNBERRY LN, SAINT AUGUSTINE, FL 32080-5819
Document Number	0043261800
Book / Page	004326 / 001800
Instrument Date	Nov 25, 2016
Transaction Type	Mortgage
Record Updated	Feb 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	523 TURNBERRY LN ST AUGUSTINE FL 320805819, ST AUGUSTINE, FL 32080-5819

Mortgage

Document Number	0043261800
Date	Feb 3, 2017
Book Page	004326/001800
Instrument	8470

Lender

Name	MORTGAGE SOLUTIONS/CO
Type	Mortgage Company
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 523 Turnberry Ln was $4,182, up 12.6% from the year before.

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		$332,061 (+2.7%)	$579,471 (-3.14%) Land $200,000 Building $379,471
2025	$4,182.00 (+12.57%) Homeowner's exemption	$323,331 (+2.9%)	$598,236 (+2.84%) Land $200,000 Building $398,236
2024	$3,715.00 (+2%) Homeowner's exemption	$314,219 (+3%)	$581,700 (+12.56%) Land $205,000 Building $376,700
2023	$3,642.00 (+2.94%) Homeowner's exemption	$305,067 (+3%)	$516,800 (-5.6%) Land $205,000 Building $311,800
2022	$3,538.00 Homeowner's exemption	$296,182	$547,449 Land $235,200 Building $312,249

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 523 Turnberry Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 354 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	379 units insured incl. 25 condo units
Nearby Flood Claims	65 (2004–2022)
Claims Outside the SFHA	10 of 65
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Irma, Sep 2017 · 12 claims Hurricane Matthew, Oct 2016 · 45 claims

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

Wildfire risk around 523 Turnberry Ln is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · lower than 62% 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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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