81 Tobago Ln, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 81 Tobago Ln, Saint Augustine, FL 32092 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,258 sqft · built 2020
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on File
Last Sale	$375,500 (Jun 2020)
Tax Bill	$334 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`027442-5630`

Property Details

APN / Parcel Number

Primary APN	`027442-5630`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,258 sqft Living Area
Gross Area	3,052 sqft
1st Floor Area	2,258 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
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	574 sqft
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	81 TOBAGO LN
City	SAINT AUGUSTINE
State	FL
Zip	32092-1155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	95/38-45 WINDWARD RANCH PHASE FIFTEEN LOT 563 OR4972/1961
Legal Range	28E
Legal Township	07S
Legal Section	42
Legal Subdivision	WINDWARD RANCH PHASE FIFTEEN
Legal Block	1
Legal Lot Number	563
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 · APN 027442-5630

Assessment roll updated April 13, 2026 · Last verified June 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	81 TOBAGO LN, SAINT AUGUSTINE, FL 32092-1155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 07, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 09, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 28, 2023	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Apr 15, 2024	Deed of Trust, Mortgage · VA Mortgage SERVBANK SB
Jun 25, 2020	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 25, 2020 · Amount on Record
Deed Sale	Jun 25, 2020 · Amount on Record
Deed Document Number	202049975
Deed Book / Page	4972 / 1961
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	81 TOBAGO LN, SAINT AUGUSTINE, FL 32092-1155
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 TOBAGO LN, SAINT AUGUSTINE, FL 32092-1155

Mortgage

Document Number	0054381683
Date	Dec 07, 2021
Book Page	5438/1683
Instrument	2021132311

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	81 TOBAGO LN, SAINT AUGUSTINE, FL 32092-1155
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 TOBAGO LN, SAINT AUGUSTINE, FL 32092-1155

Mortgage

Document Number	0052020089
Date	Mar 09, 2021
Book Page	5202/89
Instrument	2021026256

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	81 TOBAGO LN, SAINT AUGUSTINE, FL 32092-1155
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 TOBAGO LN, SAINT AUGUSTINE, FL 32092-1155

Mortgage

Document Number	0057991637
Date	Jul 28, 2023
Book Page	5799/1637
Instrument	2023059059

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	81 TOBAGO LN, SAINT AUGUSTINE, FL 32092-1155
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 TOBAGO LN, SAINT AUGUSTINE, FL 32092-1155

Mortgage

Document Number	0059311601
Date	Apr 15, 2024
Book Page	5931/1601
Instrument	2024027852

Lender

Name	SERVBANK SB
Type	Bank
Address	OSWEGO, IL 60543

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

June 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 25, 2020
Property Address	81 TOBAGO LN, SAINT AUGUSTINE, FL 32092-1155
Document Number	0049721961
Book / Page	4972 / 1961
Map Reference	MB 95 PG 38
Instrument Date	Jun 16, 2020
Instrument	2020049975
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,628.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81I TOBAGO LN, SAINT AUGUSTINE, FL 32092-1155

Mortgage

Document Number	49721965
Date	Jun 25, 2020
Instrument	4972/1965

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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

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		$348,532 (+2.7%)	$391,481 (-8.33%) Land $100,000 Building $291,481
2025	$334.00 (+31.5%) Disabled Person's exemption Veteran's exemption	$339,369 (+2.9%)	$427,046 (-3.13%) Land $100,000 Building $327,046
2024	$254.00 (-93.24%) Disabled Person's exemption Veteran's exemption	$329,805 (+3%)	$440,848 (+12.84%) Land $100,000 Building $340,848
2023	$3,755.00 (+2.96%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$320,199 (+3%)	$390,667 (+4.87%) Land $90,720 Building $299,947
2022	$3,647.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$310,873	$372,512 Land $84,000 Building $288,512

Flood & Wildfire

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

Flood

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
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2024, other causes

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	About 1 in 422 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 203 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Fiber	2,000 / 250

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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