St. Johns County property record for 349 Palazzo Cir, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,830 sqft · built 2013 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $545,000 (Jul 2025) |
| Tax Bill | $7,504 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jul 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028687-0770 |
| Primary APN | 028687-0770 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,830 sqft Living Area |
| Gross Area | 3,506 sqft |
| 1st Floor Area | 2,355 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 298 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 349 PALAZZO CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-4511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 58/99-106 MURABELLA UNIT 5 LOT 77 OR6179/25 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | MURABELLA UNIT 5 |
| Legal Block | 1 |
| Legal Lot Number | 77 |
| Legal Unit | 5 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 20906 |
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 | 349 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 7, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 2, 2025 | Warranty Deed, Transfer · Conventional Mortgage RELIANT HOME FUNDING INC |
| Aug 16, 2018 | Warranty Deed, Transfer · VA Mortgage BOKF NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2025 · Amount on Record |
| Deed Sale | Jul 2, 2025 · Amount on Record |
| Prior Sale | Aug 16, 2018 · Amount on Record |
| Deed Document Number | 202553019 |
| Deed Book / Page | 6179 / 25 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 349 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4511 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 349 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4511 |
| Document Number | 0054380304 |
|---|---|
| Date | Dec 7, 2021 |
| Book Page | 5438/304 |
| Instrument | 2021132015 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 2, 2025 |
| Property Address | 349 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4511 |
| Document Number | 0061790025 |
| Book / Page | 6179 / 25 |
| Map Reference | MB 58 PG 99 |
| Instrument Date | Jul 2, 2025 |
| Instrument | 2025053019 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ATLANTIC EAST TITLE, ATLANTIC COAST T&E |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,815.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6009 LODESTONE DR, ALEXANDER, AR 72002-5008 |
| Name | Verified Name |
|---|---|
| Address | 349 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4511 |
| Document Number | 0000617927 |
|---|---|
| Date | Jul 2, 2025 |
| Instrument | 6179/27 |
| Name | RELIANT HOME FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 16, 2018 |
| Property Address | 349 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4511 |
| Document Number | 0045971855 |
| Book / Page | 4597 / 1855 |
| Map Reference | MB58 PG99-106 |
| Instrument Date | Aug 8, 2018 |
| Instrument | 2018059407 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GIBRALTAR TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 268 MAPLEWOOD DR, 268, SAINT JOHNS, FL 32259-4376 |
| Name | Verified Name |
|---|---|
| Address | 349 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4511 |
| Document Number | 2018059410 |
|---|---|
| Date | Aug 16, 2018 |
| Instrument | 2018059410 |
| Name | BOKF NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $467,993 (+40.62%) Land $110,000 Building $357,993 | $467,993 (-3.43%) Land $110,000 Building $357,993 | |
| 2025 | $7,504.00 (+8.24%) Homeowner's exemption | $332,802 (+2.9%) | $484,592 (-2.82%) Land $110,000 Building $374,592 |
| 2024 | $6,933.00 (+3.83%) Homeowner's exemption | $323,423 (+3%) | $498,669 (-0.39%) Land $105,000 Building $393,669 |
| 2023 | $6,677.00 (+2.9%) Homeowner's exemption | $314,003 (+3%) | $500,633 (+10.56%) Land $89,600 Building $411,033 |
| 2022 | $6,489.00 Homeowner's exemption | $304,857 | $452,801 Land $89,600 Building $363,201 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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