St. Johns County property record for 408 Palazzo Cir, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,856 sqft · built 2013 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $114,000 (Mar 2023) |
| Tax Bill | $8,574 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Mar 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028687-0990 |
| Primary APN | 028687-0990 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,856 sqft Living Area |
| Gross Area | 2,582 sqft |
| 1st Floor Area | 1,856 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 | 9,147 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 414 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 165 sqft |
| Patio Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 408 PALAZZO CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-4513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 58/99-106 MURABELLA UNIT 5 LOT 99 OR4963/1318 & 5121/1361(Q/C) & 5731/758(Q/C) |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | MURABELLA UNIT 5 |
| Legal Block | 1 |
| Legal Lot Number | 99 |
| 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 October 5, 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 | 408 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 22, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Mar 29, 2023 | Intrafamily Transfer, Transfer · FHA Mortgage NEWREZ LLC |
| Dec 10, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 12, 2020 | Warranty Deed, Transfer · FHA Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 2023 · Amount on Record |
| Deed Sale | Mar 29, 2023 · Amount on Record |
| Prior Sale | Dec 10, 2020 · Amount on Record |
| Deed Document Number | 202323351 |
| Deed Book / Page | 5731 / 758 |
| Prior Transfer Date | Mar 24, 2023 |
| Prior Transfer Doc | 0057310758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 22, 2026 |
| Property Address | 408 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4513 |
| Document Number | 0000080681 |
| Book / Page | 6440 / 1198 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 202680681 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 408 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4513 |
| Document Number | 0000080681, |
|---|---|
| Date | Sep 22, 2026 |
| Book Page | 6440/1198 |
| Instrument | 202680681 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 319 Months |
| Due | Apr 1, 2053 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 29, 2023 |
| Property Address | 408 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4513 |
| Document Number | 0057310758 |
| Book / Page | 5731 / 758 |
| Map Reference | MB 58 PG 99-106 |
| Instrument Date | Mar 24, 2023 |
| Instrument | 2023023351 |
| 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 | 408 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4513 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 408 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4513 |
| Document Number | 0005731761 |
|---|---|
| Date | Mar 29, 2023 |
| Instrument | 5731/761 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 10, 2020 |
| Property Address | 408 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4513 |
| Document Number | 0051211361 |
| Book / Page | 005121 / 001361 |
| Instrument Date | Dec 8, 2020 |
| Instrument | 112797 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $613.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 408 PALAZZO CIR ST AUGUSTINE FL 320924513, ST AUGUSTINE, FL 32092-4513 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 12, 2020 |
| Property Address | 408 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4513 |
| Document Number | 0049631318 |
| Book / Page | 4963 / 1318 |
| Map Reference | MB 58 PG 99-106 |
| Instrument Date | Jun 12, 2020 |
| Instrument | 2020046065 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,883.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 203 MARSHSIDE DR, 203, ST AUGUSTINE, FL 32080-5807 |
| Name | Verified Name |
|---|---|
| Address | 408 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4513 |
| Document Number | 49631320 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 4963/1320 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 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 | $354,062 (-5.19%) Land $110,000 Building $244,062 | $354,062 (-5.19%) Land $110,000 Building $244,062 | |
| 2025 | $8,574.00 (+5.23%) | $373,461 (-1.94%) | $373,461 (-1.94%) Land $110,000 Building $263,461 |
| 2024 | $8,148.00 (+43.22%) | $380,855 (+54.71%) | $380,855 (+4.14%) Land $105,000 Building $275,855 |
| 2023 | $5,689.00 (+2.03%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption | $246,172 (+3%) | $365,699 (+9.83%) Land $89,600 Building $276,099 |
| 2022 | $5,576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption | $239,002 | $332,977 Land $89,600 Building $243,377 |
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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