St. Johns County property record for 408 Gerona Rd, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,608 sqft · built 1988 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Jun 2013) |
| Tax Bill | $1,977 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 232910-2614 |
| Primary APN | 232910-2614 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,608 sqft Living Area |
| Gross Area | 2,184 sqft |
| 1st Floor Area | 1,608 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 159 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 408 GERONA RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-6112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 8-45 ST AUG SOUTH UT 10 LOTS LOTS 2614 & 2615 OR3740/936 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 31 |
| Legal Subdivision | ST. AUGUSTINE SOUTH UNIT 10 |
| Legal Block | 10 |
| Legal Lot Number | 2614 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 21302 |
Source: St. Johns County records, as of June 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 408 GERONA RD, SAINT AUGUSTINE, FL 32086-6112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
| Date | Document |
|---|---|
| Jan 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Feb 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 4, 2013 · Amount on Record |
| Deed Sale | Jun 4, 2013 · Amount on Record |
| Prior Sale | Jul 18, 2005 · Amount on Record |
| Deed Document Number | 201336888 |
| Deed Book / Page | 3740 / 936 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 408 GERONA RD, SAINT AUGUSTINE, FL 32086-6112 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 408 GERONA RD, SAINT AUGUSTINE, FL 32086-6112 |
| Document Number | 0054691286 |
|---|---|
| Date | Jan 14, 2022 |
| Book Page | 5469/1286 |
| Instrument | 2022005001 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 408 GERONA RD, SAINT AUGUSTINE, FL 32086-6112 |
| Document Number | 0048891134 |
| Instrument Date | Feb 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 408 GERONA RD ST AUGUSTINE FL 320866112, ST AUGUSTINE, FL 32086-6112 |
| Document Number | 0048891134 |
|---|---|
| Date | Feb 25, 2020 |
| Book Page | 004889/001134 |
| Instrument | 14900 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 24, 2050 |
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 | $163,583 (+2.7%) | $314,770 (-0.54%) Land $104,880 Building $209,890 | |
| 2025 | $1,977.00 (+14.94%) Homeowner's exemption | $159,282 (+5.99%) | $316,480 (-0.67%) Land $107,040 Building $209,440 |
| 2024 | $1,720.00 (+2.32%) | ||
| 2023 | $1,681.00 (+3.83%) Homeowner's exemption | $150,284 (+3%) | $318,603 (+5.08%) Land $107,040 Building $211,563 |
| 2022 | $1,619.00 Homeowner's exemption | $145,907 | $303,202 Land $71,680 Building $231,522 |
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 69 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 69 in force |
| Nearby Flood Claims | 18 (1992–2023) |
| Claims Outside the SFHA | 18 of 18 |
| Most Recent Claim | Oct 2023 · rainfall accumulation |
| Claims by Event |
|
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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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-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 |
| 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.
Source: FCC Broadband Data Collection, based on 399 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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