224 Palazzo Cir, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 224 Palazzo Cir, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,802 sqft · built 2011
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$323,200 (Mar 2018)
Tax Bill	$3,544 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`028687-1390`

Property Details

APN / Parcel Number

Primary APN	`028687-1390`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,802 sqft Living Area
Gross Area	3,446 sqft
1st Floor Area	2,282 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	417 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	224 PALAZZO CIR
City	SAINT AUGUSTINE
State	FL
Zip	32092-4503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	58/99-106 MURABELLA UNIT 5 LOT 139 OR4515/568
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	MURABELLA UNIT 5
Legal Block	1
Legal Lot Number	139
Legal Unit	5
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1018
Census Tract	20906

Owner

Source: St. Johns County records · APN 028687-1390

Assessment roll updated April 13, 2026 · Last verified April 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	224 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 08, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 26, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jun 13, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER
May 18, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Mar 13, 2018	Warranty Deed, Transfer LANDMARK TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 13, 2018 · Amount on Record
Deed Sale	Mar 13, 2018 · Amount on Record
Prior Sale	Sep 07, 2011 · Amount on Record
Deed Document Number	201816590
Deed Book / Page	4515 / 568
Record Updated	Jun 08, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	224 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4503
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4503

Mortgage

Document Number	0053891934
Date	Oct 08, 2021
Book Page	5389/1934
Instrument	2021110250

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	224 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4503
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 PALAZZO CIR, ST AUGUSTINE, FL 32092-4503

Mortgage

Document Number	0056221913
Date	Aug 26, 2022
Book Page	5622/1913
Instrument	2022082277

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Sep 01, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	224 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4503
Document Number	0049690769
Instrument Date	Jun 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	224 PAGAZZO CIR ST AUGUSTINE FL 32092, ST AUGUSTINE, FL 32092

Mortgage

Document Number	0049690769
Date	Jun 22, 2020
Book Page	004969/000769
Instrument	48501

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	224 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4503
Document Number	0047291840
Instrument Date	May 18, 2019
Transaction Type	Mortgage
Record Updated	Jun 07, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	224 PALAZZO CIR ST AUGUSTINE FL 320924503, ST AUGUSTINE, FL 32092-4503

Mortgage

Document Number	0047291840
Date	May 28, 2019
Book Page	004729/001840
Instrument	36286

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 13, 2018
Property Address	224 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4503
Document Number	0045150568
Book / Page	4515 / 0568
Map Reference	MB58 PG99-106
Instrument Date	Mar 08, 2018
Instrument	2018016590
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1324 GOLF AVE, 1324, ORMOND BEACH, FL 32174-7287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4503

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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		$390,480 (+2.7%)	$543,176 (-1.22%) Land $110,000 Building $433,176
2025	$3,544.00 (+5.1%) Disabled Person's exemption Veteran's exemption	$380,214 (+2.9%)	$549,912 (+1.97%) Land $110,000 Building $439,912
2024	$3,372.00 (+5.71%) Disabled Person's exemption Veteran's exemption	$369,499 (+23.32%)	$539,281 (+11.73%) Land $105,000 Building $434,281
2023	$3,190.00 (+3.24%) Disabled Person's exemption Veteran's exemption	$299,621 (+3%)	$482,669 (+9.76%) Land $89,600 Building $393,069
2022	$3,090.00 Disabled Person's exemption Veteran's exemption	$290,894	$439,746 Land $89,600 Building $350,146

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 121090209061, 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 62 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 in force

Wildfire

Wildfire Risk	Low above 32% of the US · above 8% of Florida
Wildfire Likelihood	About 1 in 2,703 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 286 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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