St. Johns County property record for 364 Palazzo Cir, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,902 sqft · built 2013 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $181,705 (Mar 2013) |
| Tax Bill | $6,277 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028687-1040 |
| Primary APN | 028687-1040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,902 sqft Living Area |
| Gross Area | 2,362 sqft |
| 1st Floor Area | 1,902 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 212 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 364 PALAZZO CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-4509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 58/99-106 MURABELLA UNIT 5 LOT 104 OR3695/1506 & 5659/245(Q/C) |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | MURABELLA UNIT 5 |
| Legal Block | 1 |
| Legal Lot Number | 104 |
| Legal Unit | 5 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 20906 |
Source: St. Johns County records, 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 Company Names on Record |
|---|---|
| Mailing Address | 364 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4509 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Mar 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Apr 16, 2021 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Jun 2, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Nov 2, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 5, 2013 · Amount on Record |
| Deed Sale | Mar 5, 2013 · Amount on Record |
| Prior Sale | Oct 18, 2012 · Amount on Record |
| Deed Document Number | 201315084 |
| Deed Book / Page | 3695 / 1506 |
| Last Transfer Date | Oct 13, 2022 |
| Transfer Doc | 0056590245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 364 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4509 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 364 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4509 |
| Document Number | 0051950863 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 5195/863 |
| Instrument | 2021023499 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Mar 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 364 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4509 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 364 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4509 |
| Document Number | 0052381760 |
|---|---|
| Date | Apr 16, 2021 |
| Book Page | 5238/1760 |
| Instrument | 2021042275 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 364 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4509 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 364 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4509 |
| Document Number | 0057681722 |
|---|---|
| Date | Jun 2, 2023 |
| Book Page | 5768/1722 |
| Instrument | 2023042663 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2043 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 2, 2022 |
| Property Address | 364 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4509 |
| Document Number | 0056590245 |
| Book / Page | 5659 / 245 |
| Map Reference | MB 58 PG 99-106 |
| Instrument Date | Oct 13, 2022 |
| Instrument | 2022101692 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 364 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4509 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 364 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4509 |
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 | $248,206 (+2.7%) | $396,744 (-5.56%) Land $110,000 Building $286,744 | |
| 2025 | $6,277.00 (+7.82%) Homeowner's exemption | $241,681 (+2.9%) | $420,115 (-1%) Land $110,000 Building $310,115 |
| 2024 | $5,822.00 (+4.24%) Homeowner's exemption | $234,870 (+3%) | $424,338 (+0.56%) Land $105,000 Building $319,338 |
| 2023 | $5,585.00 (+3.03%) Homeowner's exemption | $228,029 (+3%) | $421,963 (+12.85%) Land $89,600 Building $332,363 |
| 2022 | $5,421.00 Homeowner's exemption | $221,387 | $373,917 Land $89,600 Building $284,317 |
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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