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400 Talbot Bay Dr, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 400 Talbot Bay Dr, Saint Augustine, FL 32086 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,593 sqft · built 2008
Lot Size0.18 acres (7,840 sqft)
Owner2 Individual Names on File
Last Sale$182,000 (Mar 2008)
Tax Bill$1,989 (2025)
Deeds & MortgagesMay 2022 Mortgage
Jun 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN182324-0970

Property Details

APN / Parcel Number

Primary APN182324-0970

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories1 Story
Building Area1,593 sqft Living Area
Gross Area1,998 sqft
1st Floor Area1,593 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2008
Exterior MaterialStucco
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,840 sqft (0.18 acres)
Garage TypeAttached
Garage Area405 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area291 sqft
PorchFinished/Open Porch
Porch Area449 sqft
Deck AreaDeck Area
Patio Area593 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address400 TALBOT BAY DR
CitySAINT AUGUSTINE
StateFL
Zip32086-1812
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description56/83-90 GRAND CAY LOT 97 OR3057/787
Legal Range30E
Legal Township08S
Legal Section19
Legal SubdivisionGRAND CAY
Legal Block1
Legal Lot Number97
JurisdictionST JOHNS FL
Township / Civil DivisionMATANZAS
Census Block Group1
Census Block1005
Census Tract21208

Owner

Source: St. Johns County records · APN 182324-0970

Assessment roll updated April 13, 2026 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address400 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 23, 2022Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA NA
Jun 16, 2017Deed of Trust, Mortgage · Conventional Mortgage
COMMUNITY FIRST CU/FL

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 17, 2008 · Amount on Record
Deed SaleMar 17, 2008 · Amount on Record
Deed Document Number200815362
Deed Book / Page3057 / 787
Record UpdatedJun 08, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address400 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812
Transaction TypeMortgage
Record UpdatedOct 23, 2025
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address400 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812

Mortgage

Document Number0055630875
DateMay 23, 2022
Book Page5563/875
Instrument2022051898
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueJun 01, 2042

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address400 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812
Document Number0043940999
Book / Page004394 / 000999
Instrument DateJun 16, 2017
Transaction TypeMortgage
Record UpdatedJul 12, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address400 TALBOT BAY DR ST AUGUSTINE FL 320861812, ST AUGUSTINE, FL 32086-1812

Mortgage

Document Number0043940999
DateJun 26, 2017
Book Page004394/000999
Instrument43814
Lender
NameCOMMUNITY FIRST CU/FL
TypeCredit Union
AddressJACKSONVILLE, FL 32204
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueJun 25, 2037

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$166,010 (+2.7%)$333,824 (+0.79%) Land $80,500 Building $253,324
2025$1,989.00 (+15.04%) Homeowner's exemption$161,646 (+2.9%)$331,202 (+1.49%) Land $80,500 Building $250,702
2024$1,729.00 (+2.31%) Homeowner's exemption$157,090 (+3%)$326,331 (+5.81%) Land $64,400 Building $261,931
2023$1,690.00 (+3.81%) Homeowner's exemption$152,515 (+3%)$308,421 (+10.99%) Land $64,400 Building $244,021
2022$1,628.00 Homeowner's exemption$148,073$277,889 Land $64,400 Building $213,489

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090212081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 102 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies102 in force
Nearby Flood Claims1 (2011)
Claims Outside the SFHA1 of 1
Most Recent ClaimAug 2011, rainfall accumulation

Wildfire

Wildfire RiskModerate
above 49% of the US · above 19% of Florida
Wildfire LikelihoodAbout 1 in 980 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 217 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

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