St. Johns County property record for 320 Palmas Cir, Saint Augustine, FL 32086 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,257 sqft · built 2006 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Company Name on File |
| Last Sale | $427,500 (Feb 2017) |
| Tax Bill | $5,782 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Aug 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 284201-0370 |
| Primary APN | 284201-0370 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,257 sqft Living Area |
| Gross Area | 3,808 sqft |
| 1st Floor Area | 2,675 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 551 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 300 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 410 sqft |
| Deck Area | Deck Area |
| Patio Area | 1,146 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 320 PALMAS CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-8883 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 22/24-48 ST AUGUSTINE SHORES UNIT 7 BLK 201 LOT 37 OR4331/1341 & 5351/422 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 41 |
| Legal Subdivision | ST. AUGUSTINE SHORES UNIT 7 |
| Legal Block | 201 |
| Legal Lot Number | 37 |
| Legal Unit | 7 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 21211 |
Source: St. Johns County records · APN 284201-0370
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 | Company Name on File |
|---|---|
| Mailing Address | 320 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jul 09, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 24, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Feb 15, 2017 | Warranty Deed, Transfer · ARM HOMESTAR FINANCIAL CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 15, 2017 · Amount on Record |
| Deed Sale | Feb 15, 2017 · Amount on Record |
| Prior Sale | Jan 16, 2013 · Amount on Record |
| Deed Document Number | 201711220 |
| Deed Book / Page | 4331 / 1341 |
| Last Transfer Date | Aug 18, 2021 |
| Transfer Doc | 0053510422 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 320 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0049850856 |
|---|---|
| Date | Jul 09, 2020 |
| Book Page | 4985/856 |
| Instrument | 2020054973 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 01, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 24, 2021 |
| Property Address | 320 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883 |
| Document Number | 0053510422 |
| Book / Page | 5351 / 422 |
| Map Reference | MB 22 PG 24 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 2021093457 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 PALMAS CIR, ST AUGUSTINE, FL 32086-8883 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 15, 2017 |
| Property Address | 320 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883 |
| Document Number | 0043311341 |
| Book / Page | 4331 / 1341 |
| Map Reference | MB22 PG24-48 |
| Instrument Date | Feb 15, 2017 |
| Instrument | 2017011220 |
| Transaction Type | Transfer |
| Record Updated | Aug 02, 2022 |
| Title Company | ISLAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7014 A C SKINNER PKWY STE 290, 7014, JACKSONVILLE, FL 32256-6940 |
| Name | Verified Name |
|---|---|
| Address | 320 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883 |
| Document Number | 2017011223 |
|---|---|
| Date | Feb 15, 2017 |
| Instrument | 2017011223 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Mar 01, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 6% |
| Index | 1-Year LIBOR |
| Max Rate | 9% |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $455,215 (+2.7%) | $614,844 (-2.39%) Land $120,000 Building $494,844 | |
| 2025 | $5,782.00 (+12.03%) Homeowner's exemption | $443,247 (+5.99%) | $629,897 (+8.26%) Land $120,000 Building $509,897 |
| 2024 | $5,161.00 (+1.94%) | ||
| 2023 | $5,063.00 (+2.72%) Homeowner's exemption | $418,209 (+3%) | $581,845 (+9.12%) Land $120,000 Building $461,845 |
| 2022 | $4,929.00 Homeowner's exemption | $406,028 | $533,200 Land $90,720 Building $442,480 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090212112, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 109 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 109 in force |
| Wildfire Risk | Moderate above 59% of the US · above 32% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 667 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 117 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
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