St. Johns County property record for 400 Gallardo Cir, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,131 sqft · built 2007 |
| Lot Size | 0.28 acres (12,196 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $85,000 (Apr 2017) |
| Tax Bill | $5,262 (2025) |
| Deeds & Mortgages | Jul 2023 Sale Sep 2019 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 284197-0310 |
| Primary APN | 284197-0310 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,131 sqft Living Area |
| Gross Area | 4,147 sqft |
| 1st Floor Area | 3,131 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,196 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 240 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 581 sqft |
| Deck Area | Deck Area |
| Patio Area | 540 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 400 GALLARDO CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-7742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 61/36-40 ESTATES OF TUSCANY PHASE 2A BLK 197 LOT 31 OR3598/935 & 4363/1988(Q/C) &5789/1657(L/E) |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 41 |
| Legal Subdivision | ESTATES OF TUSCANY PHASE 2A |
| Legal Phase | 2A |
| Legal Block | 197 |
| Legal Lot Number | 31 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 21210 |
Source: St. Johns County records · APN 284197-0310
Assessment roll updated April 13, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 400 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jul 11, 2023 | Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Sep 23, 2019 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Feb 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Oct 07, 2017 | Deed of Trust, Mortgage · Line of Credit TD BK NA |
| Apr 25, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 25, 2017 · Amount on Record |
| Deed Sale | Apr 25, 2017 · Amount on Record |
| Prior Sale | Aug 08, 2012 · Amount on Record |
| Deed Document Number | 201728636 |
| Deed Book / Page | 4363 / 1988 |
| Last Transfer Date | Jun 26, 2023 |
| Transfer Doc | 0057891657 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 11, 2023 |
| Property Address | 400 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Document Number | 0057891657 |
| Book / Page | 5789 / 1657 |
| Map Reference | MB 61 PG 36-40 |
| Instrument Date | Jun 26, 2023 |
| Instrument | 2023053818 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 950 RIVER RD, BRATTLEBORO, VT 05301-8705 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 400 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0047991737 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 4799/1737 |
| Instrument | 2019070439 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 22, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 400 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Title Company | NATION TITLE, ACTION TITLE |
| Name | Verified Name |
|---|---|
| Address | 400 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Document Number | 0055021390 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | 5502/1390 |
| Instrument | 2022021385 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 400 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Document Number | 0044491831 |
| Book / Page | 004449 / 001831 |
| Instrument Date | Oct 07, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 08, 2017 |
| Name | Verified Name |
|---|---|
| Address | 400 GALLARDO CIR ST AUGUSTINE FL 320867742, ST AUGUSTINE, FL 32086-7742 |
| Document Number | 0044491831 |
|---|---|
| Date | Oct 18, 2017 |
| Book Page | 004449/001831 |
| Instrument | 70597 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 17, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 25, 2017 |
| Property Address | 400 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Document Number | 0043631988 |
| Book / Page | 004363 / 001988 |
| Instrument Date | Mar 28, 2017 |
| Instrument | 28636 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $595.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 400 GALLARDO CIR ST AUGUSTINE FL 320867742, ST AUGUSTINE, FL 32086-7742 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $420,701 (+2.7%) | $611,544 (-7.72%) Land $120,000 Building $491,544 | |
| 2025 | $5,262.00 (+12.24%) Homeowner's exemption Widower's exemption | $409,641 (+5.99%) | $662,705 (+11.44%) Land $120,000 Building $542,705 |
| 2024 | $4,688.00 (+1.98%) | ||
| 2023 | $4,597.00 (+1.37%) Homeowner's exemption Widower's exemption | $386,501 (+3%) | $594,651 (+2.28%) Land $120,000 Building $474,651 |
| 2022 | $4,535.00 Homeowner's exemption | $375,244 | $581,408 Land $90,720 Building $490,688 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 61 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 61 in force |
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
Based on FCC filings for 114 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SJCU-CR214 MAINLAND WTP serves 66,953 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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