St. Johns County property record for 285 Palazzo Cir, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,308 sqft · built 2013 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $513,200 (Jul 2022) |
| Tax Bill | $3,544 (2025) |
| Deeds & Mortgages | May 2025 Mortgage Jul 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028687-0570 |
| Primary APN | 028687-0570 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,308 sqft Living Area |
| Gross Area | 2,973 sqft |
| 1st Floor Area | 1,888 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| 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 | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 272 sqft |
| Patio Area | 177 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 285 PALAZZO CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-4506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 58/99-106 MURABELLA UNIT 5 LOT 57 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | MURABELLA UNIT 5 |
| Legal Block | 1 |
| Legal Lot Number | 57 |
| Legal Unit | 5 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 20906 |
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 | 285 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| May 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage THE LOAN STORE INC |
| Jul 6, 2022 | Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 1, 2019 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Oct 26, 2018 | Warranty Deed, Transfer LANDMARK TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2022 · Amount on Record |
| Deed Sale | Jul 6, 2022 · Amount on Record |
| Prior Sale | Mar 1, 2019 · Amount on Record |
| Deed Document Number | 202266263 |
| Deed Book / Page | 5592 / 70 |
| Prior Transfer Date | Jul 1, 2022 |
| Prior Transfer Doc | 0055920070 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 285 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4506 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 285 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4506 |
| Document Number | 0061470095 |
|---|---|
| Date | May 12, 2025 |
| Book Page | 6147/95 |
| Instrument | 2025037033 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Address | TUCSON, AZ 85718 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 6, 2022 |
| Property Address | 285 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4506 |
| Document Number | 0055920070 |
| Book / Page | 5592 / 70 |
| Map Reference | MB 58 PG 99-106 |
| Instrument Date | Jul 1, 2022 |
| Instrument | 2022066263 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,592.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 225 STRAWBERRY LN, JACKSONVILLE, FL 32259-4477 |
| Name | Verified Name |
|---|---|
| Address | 285 PALAZZO CIR, ST AUGUSTINE, FL 32092-4506 |
| Document Number | 0000559272 |
|---|---|
| Date | Jul 6, 2022 |
| Instrument | 5592/72 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 1, 2019 |
| Property Address | 285 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4506 |
| Document Number | 0046871501 |
| Book / Page | 004687 / 001501 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 14162 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2019 |
| Title Company | LANDMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,988.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 285 PALAZZO CIR ST AUGUSTINE FL 320924506, ST AUGUSTINE, FL 32092-4506 |
| Document Number | 46871503 |
|---|---|
| Date | Mar 1, 2019 |
| Book Page | 004687/001503 |
| Instrument | 14163 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 28, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 26, 2018 |
| Property Address | 285 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4506 |
| Document Number | 0046320617 |
| Book / Page | 004632 / 000617 |
| Instrument Date | Oct 22, 2018 |
| Instrument | 77557 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2018 |
| Title Company | LANDMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,928.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 285 PALAZZO CIR ST AUGUSTINE FL 320924506, ST AUGUSTINE, FL 32092-4506 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $431,225 Land $110,000 Building $321,225 | $431,225 (+8.67%) Land $110,000 Building $321,225 | |
| 2025 | $3,544.00 (+5.1%) | ||
| 2024 | $3,372.00 (+5.71%) | ||
| 2023 | $3,190.00 (-46.84%) | ||
| 2022 | $6,001.00 Homeowner's exemption | $266,736 | $396,829 Land $89,600 Building $307,229 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 62 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 62 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SJCU-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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