3528 Garibaldi Way, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 3528 Garibaldi Way, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,634 sqft · built 2012
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individuals on Record
Last Sale	$499,000 (Jun 2026)
Tax Bill	$9,442 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`028685-1200`

Property Details

APN / Parcel Number

Primary APN	`028685-1200`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,634 sqft Living Area
Gross Area	3,253 sqft
1st Floor Area	2,634 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	619 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	524 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3528 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 120 OR5309/541
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	MURABELLA UNIT 3
Legal Block	1
Legal Lot Number	120
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1009
Census Tract	20906

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	3528 GARIBALDI WAY, SAINT AUGUSTINE, FL 32092-3488
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jul 2, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Apr 4, 2020	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2026 · Amount on Record
Deed Sale	Jun 10, 2026 · Amount on Record
Prior Sale	Jul 2, 2021 · Amount on Record
Deed Document Number	202649514
Deed Book / Page	6380 / 1474
Prior Transfer Date	Dec 2, 2013
Prior Transfer Doc	0038411856
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 10, 2026
Property Address	3528 GARIBALDI WAY, SAINT AUGUSTINE, FL 32092-3488
Document Number	0000049514
Book / Page	6380 / 1474
Instrument Date	Jun 9, 2026
Instrument	202649514
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	ACTION TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352,793.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3528 GARIBALDI WAY, SAINT AUGUSTINE, FL 32092-3488

Mortgage

Document Number	0000049515,
Date	Jun 10, 2026
Instrument	202649515

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 2, 2021
Property Address	3528 GARIBALDI WAY, SAINT AUGUSTINE, FL 32092-3488
Document Number	0053090541
Book / Page	5309 / 541
Map Reference	MB 57 PG 94-109
Instrument Date	Jul 2, 2021
Instrument	2021074233
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3528 GARIBALDI WAY, SAINT AUGUSTINE, FL 32092-3488

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3528 GARIBALDI WAY, SAINT AUGUSTINE, FL 32092-3488

Mortgage

Document Number	0005309543
Date	Jul 2, 2021
Instrument	5309/543

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	238 Months
Due	May 1, 2041

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	3528 GARIBALDI WAY, SAINT AUGUSTINE, FL 32092-3488
Document Number	0049201285
Instrument Date	Apr 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3528 GARIBALDI WAY ST AUGUSTINE FL 320923488, ST AUGUSTINE, FL 32092-3488

Mortgage

Document Number	0049201285
Date	Apr 13, 2020
Book Page	004920/001285
Instrument	28392

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 12, 2030

Interest

Rate Type	Adjustable Rate

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		$465,730 (-1.93%) Land $120,000 Building $345,730	$465,730 (-1.93%) Land $120,000 Building $345,730
2025	$9,442.00 (+6.28%) Homeowner's exemption	$474,888 (-0.47%)	$474,888 (-0.47%) Land $120,000 Building $354,888
2024	$8,884.00 (-3.74%) Homeowner's exemption	$477,136 (+0.69%)	$477,136 (+0.69%) Land $105,000 Building $372,136
2023	$9,229.00 (+6.8%)	$473,846 (+9.72%)	$473,846 (+9.72%) Land $89,600 Building $384,246
2022	$8,641.00	$431,879	$431,879 Land $89,600 Building $342,279

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
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.

Wildfire

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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 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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