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321 Palazzo Cir, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 321 Palazzo Cir, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,319 sqft · built 2013
Lot Size0.18 acres (7,840 sqft)
OwnerIndividual Name on File
Last Sale$282,000 (Sep 2016)
Tax Bill$6,835 (2025)
Deeds & MortgagesOct 2025 Mortgage
Mar 2018 Line of Credit
Flood ZoneZone X (minimal risk)
APN028687-0700

Property Details

APN / Parcel Number

Primary APN028687-0700

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures13 Plumbing Fixtures
Stories1 Story
Building Area2,319 sqft Living Area
Gross Area3,045 sqft
1st Floor Area2,319 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2013
Effective Year BuiltEffective 2013
Exterior MaterialStucco
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,840 sqft (0.18 acres)
Garage TypeAttached
Garage Area540 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area386 sqft
Patio Area65 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address321 PALAZZO CIR
CitySAINT AUGUSTINE
StateFL
Zip32092-4510
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description58/99-106 MURABELLA UNIT 5 LOT 70 OR4254/1064 & 6284/1660(DM)
Legal Range28E
Legal Township06S
Legal Section38
Legal SubdivisionMURABELLA UNIT 5
Legal Block1
Legal Lot Number70
Legal Unit5
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1011
Census Tract20906

Owner

Source: St. Johns County records · APN 028687-0700

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 RecordIndividual Name on File
Mailing Address321 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4510
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 20, 2025Deed of Trust, Mortgage · Conventional Mortgage
VYSTAR CU
Mar 13, 2018Deed of Trust, Mortgage · Line of Credit
VYSTAR CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 12, 2016 · Amount on Record
Deed SaleSep 12, 2016 · Amount on Record
Prior SaleFeb 21, 2013 · Amount on Record
Deed Document Number201659654
Deed Book / Page4254 / 1064
Record UpdatedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address321 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4510
Transaction TypeMortgage
Record UpdatedOct 31, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address321 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4510

Mortgage

Document Number0062410682
DateOct 20, 2025
Book Page6241/682
Instrument2025085208
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32202
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055
Interest
Rate TypeAdjustable Rate
Rate5.62%
Type Change DateNov 01, 2030
Change FrequencyAnnually
Min Rate At Change3.62%
Max Rate At Change7.62%
Index5-Year TN
Max Rate10.6%

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address321 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4510
Document Number0045181737
Instrument DateMar 13, 2018
Transaction TypeMortgage
Record UpdatedMar 27, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address321 PALAZZO CIR ST AUGUSTINE FL 320924510, ST AUGUSTINE, FL 32092-4510

Mortgage

Document Number0045181737
DateMar 20, 2018
Book Page004518/001737
Instrument18524
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32232-5085
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueMar 19, 2028
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$290,706 (+2.7%)$426,962 (-1.85%) Land $110,000 Building $316,962
2025$6,835.00 (+8.03%) Homeowner's exemption$283,063 (+2.9%)$435,008 (-2.46%) Land $110,000 Building $325,008
2024$6,327.00 (+4.05%) Homeowner's exemption$275,086 (+3%)$445,982 (-0.18%) Land $105,000 Building $340,982
2023$6,081.00 (+2.96%) Homeowner's exemption$267,074 (+3%)$446,782 (+10.78%) Land $89,600 Building $357,182
2022$5,906.00 Homeowner's exemption$259,295$403,301 Land $89,600 Building $313,701

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 62 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies62 in force

Wildfire

Wildfire RiskLow
above 36% of the US · above 10% of Florida
Wildfire LikelihoodAbout 1 in 1,887 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20

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

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