712 Toria Ln, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 712 Toria Ln, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,303 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Oct 2022)
Tax Bill	$11,545 (2025)
Deeds & Mortgages	Oct 2022 Sale & Line of Credit Aug 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072083-0240`

Property Details

APN / Parcel Number

Primary APN	`072083-0240`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,303 sqft Living Area
Gross Area	3,015 sqft
1st Floor Area	2,303 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	712 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Finished/Open Porch
Porch Area	153 sqft
Deck Area	Deck Area
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	712 TORIA LN
City	SAINT AUGUSTINE
State	FL
Zip	32095-6831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	45/27-30 MARSHALL CREEK DRI UT MUB-3 LOT 24 OR5646/39
Legal Range	29E
Legal Township	06S
Legal Section	04
Legal Subdivision	MARSHALL CREEK DRI UNIT MUB-3
Legal Block	4
Legal Lot Number	24
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4056
Census Tract	20606

Owner

Source: St. Johns County records, as of June 17, 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	712 TORIA LN, SAINT AUGUSTINE, FL 32095-6831
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2022	Warranty Deed, Transfer · Line of Credit CMG MORTGAGE INC
Aug 24, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 19, 2019	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Mar 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FORD MILLER & WAINER PA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2022 · Amount on Record
Deed Sale	Oct 7, 2022 · Amount on Record
Prior Sale	Jun 19, 2019 · Amount on Record
Deed Document Number	202294563
Deed Book / Page	5646 / 39
Prior Transfer Date	Oct 1, 2021
Prior Transfer Doc	0056211057
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 7, 2022
Property Address	712 TORIA LN, SAINT AUGUSTINE, FL 32095-6831
Document Number	0056460039
Book / Page	5646 / 39
Map Reference	MB 45 PG 27-30
Instrument Date	Oct 6, 2022
Instrument	2022094563
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	FLORIDA CLOSING AND ESCROW LLC, FLORIDA CLOSING COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	254 S FIELD CREST DR, SAINT AUGUSTINE, FL 32092-2909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9782 RUNNER STONE PL, BRISTOW, VA 20136-1905

Mortgage

Document Number	0000564641
Date	Oct 7, 2022
Instrument	5646/41

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Aug 24, 2022
Property Address	712 TORIA LN, SAINT AUGUSTINE, FL 32095-6831
Document Number	0056211057
Book / Page	5621 / 1057
Map Reference	MB 45 PG 27-30
Instrument Date	Oct 1, 2021
Instrument	2022081496
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	712 TORIA LN, ST AUGUSTINE, FL 32095-6831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 TORIA LN, ST AUGUSTINE, FL 32095-6831

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 19, 2019
Property Address	712 TORIA LN, SAINT AUGUSTINE, FL 32095-6831
Document Number	0047431485
Book / Page	004743 / 001485
Instrument Date	Jun 17, 2019
Instrument	43143
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,589.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	712 TORIA LN ST AUGUSTINE FL 320956831, ST AUGUSTINE, FL 32095-6831

Mortgage

Document Number	47431487
Date	Jun 19, 2019
Book Page	004743/001487
Instrument	43144

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	712 TORIA LN, SAINT AUGUSTINE, FL 32095-6831
Document Number	0047020702
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	May 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31 CAT RD PONTE VEDRA BEACH FL 320824371, PONTE VEDRA BEACH, FL 32082-4371

Mortgage

Document Number	0047020702
Date	Apr 1, 2019
Book Page	004702/000702
Instrument	21839

Lender

Name	FORD MILLER & WAINER PA
Address	1835 3RD ST N, JACKSONVILLE BEACH, FL 32250-7469

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$595,430 (+7.63%) Land $140,000 Building $455,430	$595,430 (+7.63%) Land $140,000 Building $455,430
2025	$11,545.00 (+6.72%)	$553,244 (+0.52%)	$553,244 (+0.52%) Land $120,000 Building $433,244
2024	$10,818.00 (-0.28%)	$550,376 (-1.05%)	$550,376 (-1.05%) Land $115,000 Building $435,376
2023	$10,848.00 (+41.45%)	$556,244 (+61.16%)	$556,244 (+28.52%) Land $115,000 Building $441,244
2022	$7,669.00 Homeowner's exemption	$345,151	$432,798 Land $100,800 Building $331,998

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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 249 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	249 in force
Nearby Flood Claims	3 (2016–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2022 · Hurricane Nicole

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000

May also be available: T-Mobile.

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