409 Porta Rosa Cir, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 409 Porta Rosa Cir, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,659 sqft · built 2015
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$314,990 (Feb 2016)
Tax Bill	$7,091 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`028685-5410`

Property Details

APN / Parcel Number

Primary APN	`028685-5410`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,659 sqft Living Area
Gross Area	3,237 sqft
1st Floor Area	2,659 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	228 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 PORTA ROSA CIR
City	SAINT AUGUSTINE
State	FL
Zip	32092-4763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	57/94-109 MURABELLA UNIT 3 LOT 541 OR4147/1207
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	MURABELLA UNIT 3
Legal Block	1
Legal Lot Number	541
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1010
Census Tract	20906

Owner

409 Porta Rosa Cir is owned and occupied by an individual who bought it in February 2016.

Source: St. Johns County records, as of June 24, 2026

Owner of Record	Individual Name on File
Mailing Address	409 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4763
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Nov 29, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2016 · Amount on File
Deed Sale	Feb 9, 2016 · Amount on File
Deed Document Number	20167875
Deed Book / Page	4147 / 1207
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Jun 12, 2026
Property Address	409 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4763
Document Number	0000050475
Book / Page	6382 / 1241
Instrument Date	Jun 3, 2026
Instrument	202650475
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4763
Investor	Possibly a Property Investor

Mortgage

Document Number	0000050475,
Date	Jun 12, 2026
Book Page	6382/1241
Instrument	202650475

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2056

Interest

Rate	6.37%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	409 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4763
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4763

Mortgage

Document Number	0058630804
Date	Nov 29, 2023
Book Page	5863/804
Instrument	2023092916

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2043

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	409 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4763
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048041576
Date	Oct 1, 2019
Book Page	4804/1576
Instrument	2019072669

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 409 Porta Rosa Cir was $7,091 with a homeowner's exemption, up 8.1% from the year before.

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		$308,434 (+2.7%)	$463,620 (-2.3%) Land $110,000 Building $353,620
2025	$7,091.00 (+8.08%) Homeowner's exemption	$300,325	$474,533 Land $110,000 Building $364,533
2024	$6,561.00 (+3.94%)
2023	$6,312.00 (+2.94%) Homeowner's exemption	$283,360 (+3%)	$483,512 (+9.79%) Land $89,600 Building $393,912
2022	$6,132.00 Homeowner's exemption	$275,107	$440,416 Land $89,600 Building $350,816

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 409 Porta Rosa Cir in Zone X, an area of minimal flood risk.

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 File 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.

Wildfire

Wildfire risk around 409 Porta Rosa Cir is moderate, ranking above 48% of the US, with a 0.09% annual chance of 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	0.09% 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-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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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