3520 Garibaldi Way, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 3520 Garibaldi Way, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,570 sqft · built 2012
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$268,900 (Oct 2020)
Tax Bill	$7,017 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`028685-1220`

Property Details

APN / Parcel Number

Primary APN	`028685-1220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,570 sqft Living Area
Gross Area	2,172 sqft
1st Floor Area	1,570 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3520 GARIBALDI WAY
City	SAINT AUGUSTINE
State	FL
Zip	32092-3488
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	57/94-109 MURABELLA UNIT 3 LOT 122 OR5075/894
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	MURABELLA UNIT 3
Legal Block	1
Legal Lot Number	122
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1009
Census Tract	20906

Owner

3520 Garibaldi Way is owned and occupied by an individual who bought it in October 2020.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	Individual Name on File
Mailing Address	3520 GARIBALDI WAY, SAINT AUGUSTINE, FL 32092-3488
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

Date	Document
Oct 20, 2020	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
May 8, 2017	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2020 · Amount on File
Deed Sale	Oct 20, 2020 · Amount on File
Prior Sale	Oct 20, 2020 · Amount on File
Deed Document Number	202092806
Deed Book / Page	5075 / 894
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 20, 2020
Property Address	3520 GARIBALDI WAY, SAINT AUGUSTINE, FL 32092-3488
Document Number	0050750894
Book / Page	5075 / 894
Map Reference	MF 57 PG 94-109
Instrument Date	Oct 16, 2020
Instrument	2020092806
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,882.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 GARIBALDI WAY, SAINT AUGUSTINE, FL 32092-3488

Mortgage

Document Number	5075896
Date	Oct 20, 2020
Instrument	5075/896

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3520 GARIBALDI WAY, SAINT AUGUSTINE, FL 32092-3488
Document Number	0043730585
Book / Page	004373 / 000585
Instrument Date	May 8, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 GARIBALDI WAY ST AUGUSTINE FL 320923488, ST AUGUSTINE, FL 32092-3488

Mortgage

Document Number	0043730585
Date	May 12, 2017
Book Page	004373/000585
Instrument	33155

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 11, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3520 Garibaldi Way was $7,017 with a homeowner's exemption, up 8.8% 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		$291,587 (-2.16%)	$322,607 (-5.76%) Land $110,000 Building $212,607
2025	$7,017.00 (+8.84%) Homeowner's exemption	$298,017	$342,316 Land $110,000 Building $232,316
2024	$6,447.00 (+4.8%)
2023	$6,152.00 (+4.89%) Homeowner's exemption	$290,386 (+6.42%)	$341,386 (+8.96%) Land $89,600 Building $251,786
2022	$5,865.00 Homeowner's exemption	$272,860	$313,307 Land $89,600 Building $223,707

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

Flood

FEMA maps place 3520 Garibaldi Way 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 3520 Garibaldi Way is moderate, ranking above 44% of the US, with a 0.08% 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	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 62 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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