312 Palmas Cir, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 312 Palmas Cir, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,533 sqft · built 2006
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on Record
Tax Bill	$3,511 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jun 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`284201-0390`

Property Details

APN / Parcel Number

Primary APN	`284201-0390`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,533 sqft Living Area
Gross Area	3,045 sqft
1st Floor Area	2,242 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	1,042 sqft
Patio Area	854 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	312 PALMAS CIR
City	SAINT AUGUSTINE
State	FL
Zip	32086-8883
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	22/24-48 ST AUGUSTINE SHORES UNIT 7 BLK 201 LOT 39 OR2698/1504 &4467/787
Legal Range	30E
Legal Township	08S
Legal Section	41
Legal Subdivision	ST. AUGUSTINE SHORES UNIT 7
Legal Block	201
Legal Lot Number	39
Legal Unit	7
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	2
Census Block	2017
Census Tract	21211

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	Company Name on Record
Mailing Address	312 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jun 29, 2023	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Apr 16, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 13, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO
Nov 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 21, 2017
Transfer Doc	0044670787
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	312 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883

Mortgage

Document Number	0055470264
Date	Apr 28, 2022
Book Page	5547/264
Instrument	2022043507

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 7, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	312 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883

Mortgage

Document Number	0057840757
Date	Jun 29, 2023
Book Page	5784/757
Instrument	2023050835

Lender

Name	AMERIS BANK
Type	Bank
Address	SAINT AUGUSTINE, FL 32086

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 16, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	312 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883

Mortgage

Document Number	0049241161
Date	Apr 16, 2020
Book Page	4924/1161
Instrument	2020029824

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Mar 30, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	312 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046800326
Date	Feb 13, 2019
Book Page	4680/0326
Instrument	2019010178

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jan 23, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 27, 2017
Property Address	312 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883
Document Number	0044670787
Book / Page	004467 / 000787
Instrument Date	Nov 21, 2017
Instrument	79911
Transaction Type	Transfer
Record Updated	Dec 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	312 PALMAS CIR ST AUGUSTINE FL 320868883, ST AUGUSTINE, FL 32086-8883

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		$282,104 (+2.7%)	$508,070 (-0.22%) Land $120,000 Building $388,070
2025	$3,511.00 (+13.04%) Homeowner's exemption	$274,687 (+5.99%)	$509,174 (+5.64%) Land $120,000 Building $389,174
2024	$3,106.00 (+2.04%)
2023	$3,044.00 (+3.08%) Homeowner's exemption	$259,171 (+3%)	$481,969 (+10.77%) Land $120,000 Building $361,969
2022	$2,953.00 Homeowner's exemption	$251,622	$435,123 Land $90,720 Building $344,403

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 109 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	109 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.

Wildfire

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

Wildfire Risk	Moderate above 59% of the US · lower than 67% 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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T.

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