409 Talbot Bay Dr, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 409 Talbot Bay Dr, Saint Augustine, FL 32086 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2008
Square Footage	1,646 sqft Living Area
Lot Size	8,276 sqft (0.19 acres)
Garage	Attached, 420 sqft
Occupancy	Owner Occupied
Tax Bill	$1,739.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`182324-1060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Building Area	1,646 sqft Living Area
Gross Area	2,066 sqft Gross Area
1st Floor	1,646 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stucco Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	8,276 sqft (0.19 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	420 sqft Garage
Patio Area	18 sqft Patio
Porch Area	100 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	409 TALBOT BAY DR
City	SAINT AUGUSTINE
State	FL
Zip	32086-1813
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	56/83-90 GRAND CAY LOT 106 OR3116/338
Legal Range	30E
Legal Township	08S
Legal Section	19
Legal Subdivision	GRAND CAY
Legal Block	1
Legal Lot Number	106
Jurisdiction	ST JOHNS FL
Minor Civil Division	MATANZAS
Census Blockgroup	1
Census Block	1003
Census Tract	21208

Owner

Source: St. Johns County records · APN 182324-1060

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 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1813
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Jun 08, 2026

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	409 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1813
Document Number	0050470599
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	409 TALBOT BAY DR ST AUGUSTINE FL 320861813, ST AUGUSTINE, FL 32086-1813

Mortgage

Document Number	0050470599
Date	Sep 21, 2020
Book Page	005047/000599
Instrument	80769

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118-6116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

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		$146,932 (+2.7%)	$293,293 (+1.17%) Land $80,500 Building $212,793
2025	$1,739.00 (+15.78%) Homeowner's exemption	$143,069 (+2.9%)	$289,895 (+2.24%) Land $80,500 Building $209,395
2024	$1,502.00 (+2.32%) Homeowner's exemption	$139,037 (+3%)	$283,546 (-0.85%) Land $64,400 Building $219,146
2023	$1,468.00 (+4.11%) Homeowner's exemption	$134,987 (+3%)	$285,981 (+12.23%) Land $64,400 Building $221,581
2022	$1,410.00 Homeowner's exemption	$131,055	$254,814 Land $64,400 Building $190,414

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 19% of Florida
Wildfire Likelihood	About 1 in 980 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.