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412 Palazzo Cir, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 412 Palazzo Cir, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,196 sqft · built 2012
Lot Size0.21 acres (9,147 sqft)
Owner2 Individual Names on File
Last Sale$195,111 (Aug 2012)
Tax Bill$5,793 (2025)
Deeds & MortgagesJan 2021 Line of Credit
Flood ZoneZone X (minimal risk)
APN028687-0980

Property Details

APN / Parcel Number

Primary APN028687-0980

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area2,196 sqft Living Area
Gross Area2,723 sqft
1st Floor Area2,196 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Exterior MaterialStucco
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,147 sqft (0.21 acres)
Garage TypeAttached
Garage Area399 sqft
Parking Spaces1 Parking Space
PorchFinished Screened Porch
Porch Area177 sqft
Patio Area240 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address412 PALAZZO CIR
CitySAINT AUGUSTINE
StateFL
Zip32092-4513
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description58/99-106 MURABELLA UNIT 5 LOT 98 OR3602/820
Legal Range28E
Legal Township06S
Legal Section38
Legal SubdivisionMURABELLA UNIT 5
Legal Block1
Legal Lot Number98
Legal Unit5
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1019
Census Tract20906

Owner

Source: St. Johns County records · APN 028687-0980

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 Record2 Individual Names on File
Mailing Address412 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4513
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 16, 2012 · Amount on Record
Deed SaleAug 16, 2012 · Amount on Record
Prior SaleApr 27, 2012 · Amount on Record
Deed Document Number201247452
Deed Book / Page3602 / 820
Record UpdatedJun 08, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address412 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4513
Transaction TypeMortgage
Record UpdatedAug 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address412 PALAZZO CIR, SAINT AUGUSTINE, FL 32092-4513

Mortgage

Document Number0051520622
DateJan 14, 2021
Book Page5152/622
Instrument2021005162
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueJan 01, 2031
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$211,326 (+2.7%)$387,066 (-0.57%) Land $110,000 Building $277,066
2025$5,793.00 (+7.58%) Homeowner's exemption$205,770 (+2.9%)$389,272 (-2.04%) Land $110,000 Building $279,272
2024$5,385.00 (+4.46%) Homeowner's exemption$199,971 (+3%)$397,364 (+0.23%) Land $105,000 Building $292,364
2023$5,155.00 (+3.1%) Homeowner's exemption$194,147 (+3%)$396,442 (+9.23%) Land $89,600 Building $306,842
2022$5,000.00 Homeowner's exemption$188,492$362,928 Land $89,600 Building $273,328

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 62 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies62 in force

Wildfire

Wildfire RiskLow
above 36% of the US · above 10% of Florida
Wildfire LikelihoodAbout 1 in 1,887 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 286 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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