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

St. Johns County property record for 405 Talbot Bay Dr, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,902 sqft · built 2007
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$219,700 (Dec 2007)
Tax Bill	$1,927 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`182324-1050`

Property Details

APN / Parcel Number

Primary APN	`182324-1050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,902 sqft Living Area
Gross Area	2,343 sqft
1st Floor Area	1,902 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	230 sqft
Patio Area	412 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 TALBOT BAY DR
City	SAINT AUGUSTINE
State	FL
Zip	32086-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	56/83-90 GRAND CAY LOT 105 OR3025/459
Legal Range	30E
Legal Township	08S
Legal Section	19
Legal Subdivision	GRAND CAY
Legal Block	1
Legal Lot Number	105
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	1
Census Block	1003
Census Tract	21208

Owner

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 Individual Names on Record
Mailing Address	405 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2007 · Amount on Record
Deed Sale	Dec 28, 2007 · Amount on Record
Deed Document Number	200785596
Deed Book / Page	3025 / 459
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	405 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1813
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	ACTION TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1813

Mortgage

Document Number	0051120125
Date	Dec 1, 2020
Book Page	5112/125
Instrument	2020108812

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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		$161,274 (+2.7%)	$324,205 (+1.26%) Land $80,500 Building $243,705
2025	$1,927.00 (+15.25%) Homeowner's exemption	$157,034 (+2.9%)	$320,156 (+1.55%) Land $80,500 Building $239,656
2024	$1,672.00 (+2.26%) Homeowner's exemption	$152,608 (+3%)	$315,270 (-0.89%) Land $64,400 Building $250,870
2023	$1,635.00 (+3.88%) Homeowner's exemption	$148,163 (+3%)	$318,088 (+12.63%) Land $64,400 Building $253,688
2022	$1,574.00 Homeowner's exemption	$143,848	$282,431 Land $64,400 Building $218,031

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 102 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	102 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · rainfall accumulation

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 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% 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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20