344 Palmas Cir, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 344 Palmas Cir, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,565 sqft · built 2005
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$367,000 (Oct 2014)
Tax Bill	$4,681 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Jul 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`284201-0310`

Property Details

APN / Parcel Number

Primary APN	`284201-0310`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,565 sqft Living Area
Gross Area	3,254 sqft
1st Floor Area	2,226 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Finished Screened Porch
Porch Area	388 sqft
Deck Area	Deck Area
Patio Area	1,264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	344 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 31 OR3937/1509 & 6036/1651(L/E)
Legal Range	30E
Legal Township	08S
Legal Section	41
Legal Subdivision	ST. AUGUSTINE SHORES UNIT 7
Legal Block	201
Legal Lot Number	31
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	2 Individual Names on Record
Mailing Address	344 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2017	Deed of Trust, Mortgage · VA Mortgage MCS MORTGAGE BANKERS INC
Jul 10, 2020	Loan Modification, Mortgage · Conventional Mortgage ARC HM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2014 · Amount on Record
Deed Sale	Oct 2, 2014 · Amount on Record
Prior Sale	Nov 4, 2005 · Amount on Record
Deed Document Number	201457868
Deed Book / Page	3937 / 1509
Last Transfer Date	Oct 15, 2024
Transfer Doc	0060361651
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	344 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	0044840892
Date	Dec 29, 2017
Book Page	4484/0892
Instrument	2017088278

Lender

Name	MCS MORTGAGE BANKERS INC
Type	Mortgage Company
Address	PATCHOGUE, NY 11772

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2047

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	344 PALMAS CIR, SAINT AUGUSTINE, FL 32086-8883
Document Number	0050140810
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	344 PALMAS CIR ST AUGUSTINE FL 320868883, ST AUGUSTINE, FL 32086-8883

Mortgage

Document Number	0050140810
Date	Aug 12, 2020
Book Page	005014/000810
Instrument	66975

Lender

Name	ARC HM LLC
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2050

Interest

Rate	4%

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		$371,302 (+2.7%)	$532,009 (-1.84%) Land $120,000 Building $412,009
2025	$4,681.00 (+12.39%) Homeowner's exemption	$361,540 (+2.9%)	$541,977 (+2.73%) Land $120,000 Building $421,977
2024	$4,165.00 (+1.98%) Homeowner's exemption	$351,351 (+3%)	$527,588 (+6.08%) Land $120,000 Building $407,588
2023	$4,084.00 (+2.85%) Homeowner's exemption	$341,117 (+3%)	$497,335 (+9.18%) Land $120,000 Building $377,335
2022	$3,971.00 Homeowner's exemption	$331,182	$455,499 Land $90,720 Building $364,779

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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