St. Johns County property record for 409 Palazzo Cir, Saint Augustine, FL 32092 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2012 |
| Square Footage | 2,441 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $199,400 (2012) |
| Tax Bill | $4,601.00 (2025) |
| Primary APN | 028687-0920 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Building Area | 2,441 sqft Living Area |
| Gross Area | 2,861 sqft Gross Area |
| 1st Floor | 1,947 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Stucco Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,712 sqft (0.2 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 420 sqft Garage |
| Porch Area | 213 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 409 PALAZZO CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-4514 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 58/99-106 MURABELLA UNIT 5 LOT 92 OR3629/802 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | MURABELLA UNIT 5 |
| Legal Block | 1 |
| Legal Lot Number | 92 |
| Legal Unit | 5 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 1 |
| Census Block | 1011 |
| Census Tract | 20906 |
Source: St. Johns County records · APN 028687-0920
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4514 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 07, 2022 | Deed of Trust, Mortgage · Stand Alone Second Mortgage VYSTAR CU |
| Sep 02, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 16, 2012 · Amount on Record |
| Deed Sale | Oct 16, 2012 · Amount on Record |
| Prior Sale | Jan 25, 2012 · Amount on Record |
| Deed Doc Number | 201261016 |
| Deed Book / Page | 3629 / 802 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 409 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4514 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 409 PALAZZO CIR, ST AUGUSTINE, FL 32092-4514 |
| Investor | Possibly a Property Investor |
| Document Number | 0056760391 |
|---|---|
| Date | Dec 07, 2022 |
| Book Page | 5676/391 |
| Instrument | 2022110613 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 409 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4514 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 409 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4514 |
| Document Number | 0050330396 |
|---|---|
| Date | Sep 02, 2020 |
| Book Page | 5033/396 |
| Instrument | 2020074594 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $229,256 (+2.7%) | $413,937 (-1.81%) Land $110,000 Building $303,937 | |
| 2025 | $4,601.00 (+10.36%) Homeowner's exemption | $223,229 (+2.9%) | $421,560 (-2.33%) Land $110,000 Building $311,560 |
| 2024 | $4,169.00 (+5.89%) Homeowner's exemption | $216,938 (+3%) | $431,638 (-0.18%) Land $105,000 Building $326,638 |
| 2023 | $3,937.00 (+4.24%) Homeowner's exemption | $210,619 (+3%) | $432,409 (+9.48%) Land $89,600 Building $342,809 |
| 2022 | $3,777.00 Homeowner's exemption | $204,484 | $394,959 Land $89,600 Building $305,359 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 36% of the US · above 10% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,887 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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