324 N Bellagio Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 324 N Bellagio Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,316 sqft · built 2011
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Jul 2014)
Tax Bill	$6,295 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028686-0390`

Property Details

APN / Parcel Number

Primary APN	`028686-0390`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,316 sqft Living Area
Gross Area	2,736 sqft
1st Floor Area	2,316 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	177 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	324 N BELLAGIO DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3477
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	58/93-98 MURABELLA UNIT 4 LOT 39 OR3905/1008
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	MURABELLA UNIT 4
Legal Block	1
Legal Lot Number	39
Legal Unit	4
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1012
Census Tract	20906

Owner

324 N Bellagio Dr is owned and occupied by two individuals who bought it in July 2014.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	324 N BELLAGIO DR, SAINT AUGUSTINE, FL 32092-3477
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2014 · Amount on File
Deed Sale	Jul 18, 2014 · Amount on File
Prior Sale	May 17, 2011 · Amount on File
Deed Document Number	201441184
Deed Book / Page	3905 / 1008
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	324 N BELLAGIO DR, SAINT AUGUSTINE, FL 32092-3477
Document Number	0044341956
Book / Page	004434 / 001956
Instrument Date	Sep 8, 2017
Transaction Type	Mortgage
Record Updated	Oct 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	324 N BELLAGIO DR ST AUGUSTINE FL 320923477, ST AUGUSTINE, FL 32092-3477

Mortgage

Document Number	0044341956
Date	Sep 15, 2017
Book Page	004434/001956
Instrument	62979

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 14, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 324 N Bellagio Dr was $6,295 with a homeowner's exemption, up 7.8% from the year before.

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		$249,589 (+2.7%)	$394,307 (-0.58%) Land $110,000 Building $284,307
2025	$6,295.00 (+7.81%) Homeowner's exemption	$243,027 (+2.9%)	$396,603 (-2.09%) Land $110,000 Building $286,603
2024	$5,839.00 (+4.23%) Homeowner's exemption	$236,178 (+3%)	$405,074 (+0.12%) Land $105,000 Building $300,074
2023	$5,602.00 (+3.03%) Homeowner's exemption	$229,299 (+3%)	$404,570 (+9.28%) Land $89,600 Building $314,970
2022	$5,437.00 Homeowner's exemption	$222,620	$370,199 Land $89,600 Building $280,599

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

Flood

FEMA maps place 324 N Bellagio Dr in Zone X, an area of minimal flood risk.

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 File 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.

Wildfire

Wildfire risk around 324 N Bellagio Dr is moderate, ranking above 44% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.09% 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-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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20