St. Johns County property record for 409 Montiano Cir, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,135 sqft · built 2017 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $298,800 (Oct 2017) |
| Tax Bill | $3,949 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Oct 2017 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 086251-0530 |
| Primary APN | 086251-0530 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,135 sqft Living Area |
| Gross Area | 2,728 sqft |
| 1st Floor Area | 2,135 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Attached |
| Garage Area | 593 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 187 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 409 MONTIANO CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-6584 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 75/39-42 COQUINA RIDGE PHASE 2 LOT 53 OR4450/452 |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 03 |
| Legal Subdivision | COQUINA RIDGE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 53 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 20904 |
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 | 409 MONTIANO CIR, SAINT AUGUSTINE, FL 32084-6584 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BNC NATIONAL BANK |
| Oct 18, 2017 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WHITNEY BANK |
| May 23, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| May 23, 2017 | Loan Modification, Mortgage BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 2017 · Amount on Record |
| Deed Sale | Oct 18, 2017 · Amount on Record |
| Prior Sale | May 1, 2017 · Amount on Record |
| Deed Document Number | 201770698 |
| Deed Book / Page | 4450 / 452 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 409 MONTIANO CIR, SAINT AUGUSTINE, FL 32084-6584 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0049860518 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 4986/518 |
| Instrument | 2020055273 |
| Name | BNC NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | GLENDALE, AZ 85308 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2035 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 18, 2017 |
| Property Address | 409 MONTIANO CIR, SAINT AUGUSTINE, FL 32084-6584 |
| Document Number | 0044500452 |
| Book / Page | 4450 / 0452 |
| Map Reference | MB75 PG39-42 |
| Instrument Date | Oct 17, 2017 |
| Instrument | 2017070698 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | MARSH LANDING TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6966 BUSINESS PARK BLVD N, 6966, JACKSONVILLE, FL 32256-2735 |
| Name | Verified Name |
|---|---|
| Address | 546 SIDE CREEK LN, SAINT AUGUSTINE, FL 32084-6535 |
| Document Number | 2017070699 |
|---|---|
| Date | Oct 18, 2017 |
| Instrument | 2017070699 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 23, 2017 |
| Property Address | 409 MONTIANO CIR, SAINT AUGUSTINE, FL 32084-6584 |
| Document Number | 0043771978 |
| Book / Page | 004377 / 001978 |
| Instrument Date | May 19, 2017 |
| Instrument | 35628 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,450.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6966 BUSINESS PARK BLVD N JACKSONVILLE FL 322562735, JACKSONVILLE, FL 32256-2735 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 23, 2017 |
| Property Address | 409 MONTIANO CIR, SAINT AUGUSTINE, FL 32084-6584 |
| Document Number | 0043780484 |
| Book / Page | 004378 / 000484 |
| Instrument Date | May 18, 2017 |
| Instrument | 35746 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2017 |
| Title Company | MARSH LANDING TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Number | 43780484 |
|---|---|
| Date | May 23, 2017 |
| Book Page | 004378/000484 |
| Instrument | 35746 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
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 | $314,362 (+2.7%) | $472,223 (+1.98%) Land $115,000 Building $357,223 | |
| 2025 | $3,949.00 (+12.7%) Homeowner's exemption | $306,097 (+2.9%) | $463,047 (-1.4%) Land $100,000 Building $363,047 |
| 2024 | $3,504.00 (+2.04%) Homeowner's exemption | $297,470 (+3%) | $469,630 (-5.42%) Land $110,000 Building $359,630 |
| 2023 | $3,434.00 (+23.35%) Homeowner's exemption | $288,806 (+21.56%) | $496,531 (+34.18%) Land $120,000 Building $376,531 |
| 2022 | $2,784.00 Homeowner's exemption | $237,579 | $370,045 Land $95,200 Building $274,845 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 97 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 97 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 | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within 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 | ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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 124 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 1,200 / 35 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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