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  3. St. Johns County
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  5. Talbot Bay Dr

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

St. Johns County property record for 412 Talbot Bay Dr, Saint Augustine, FL 32086

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,286 sqft · built 2006
Lot Size0.18 acres (7,840 sqft)
Owner2 Individual Names on File
Last Sale$399,000 (Aug 2025)
Tax Bill$6,306 (2025)
Deeds & MortgagesJul 2026 Mortgage
Aug 2025 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN182324-0940

Property Details

APN / Parcel Number

Primary APN182324-0940

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures12 Plumbing Fixtures
Stories2 Stories
Building Area3,286 sqft Living Area
Gross Area3,738 sqft
1st Floor Area1,554 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,840 sqft (0.18 acres)
Garage TypeAttached
Garage Area452 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area184 sqft
Patio Area420 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address412 TALBOT BAY DR
CitySAINT AUGUSTINE
StateFL
Zip32086-1812
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal Description56/83-90 GRAND CAY LOT 94 OR6205/953
Legal Range30E
Legal Township08S
Legal Section19
Legal SubdivisionGRAND CAY
Legal Block1
Legal Lot Number94
JurisdictionST JOHNS FL
Township / Civil DivisionMATANZAS
Census Block Group1
Census Block1005
Census Tract21208

Owner

Source: St. Johns County records · APN 182324-0940

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 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 22, 2026Deed of Trust, Mortgage · VA Mortgage
VILLAGE CAPITAL
Aug 19, 2025Warranty Deed, Transfer · VA Mortgage
THINK MORTGAGE INC
Oct 13, 2023Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Feb 08, 2019Warranty Deed, Transfer
ISLAND TITLE OF ST AUGUSTINE
Aug 02, 2018Grant Deed, Transfer
SOUTHEAST PROF TITLE L

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 19, 2025 · Amount on Record
Deed SaleAug 19, 2025 · Amount on Record
Prior SaleOct 13, 2023 · Amount on Record
Deed Document Number202567218
Deed Book / Page6205 / 953
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Recording DateJul 22, 2026
Property Address412 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812
Document Number0000062715
Book / Page6406 / 397
Instrument DateJul 17, 2026
Instrument202662715
Transaction TypeMortgage
Record UpdatedAug 04, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address412 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812

Mortgage

Document Number0000062715,
DateJul 22, 2026
Book Page6406/397
Instrument202662715
Lender
NameVILLAGE CAPITAL
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.47%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

August 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateAug 19, 2025
Property Address412 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812
Document Number0062050953
Book / Page6205 / 953
Map ReferenceMB 56 PG 83
Instrument DateAug 18, 2025
Instrument2025067218
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyUNKNOWN, FLORIDA CLOSING COMPANY LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,793.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1337 RUSSELL DR NW, BOLIVAR, OH 44612-8419

Transferred To (Grantee/Buyer)

NameVerified Name
Address412 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812

Mortgage

Document Number0006205955
DateAug 19, 2025
Instrument6205/955
Lender
NameTHINK MORTGAGE INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2055

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateOct 13, 2023
Property Address412 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812
Document Number0058410020
Book / Page5841 / 20
Map ReferenceMB 56 PG 83-90
Instrument DateOct 12, 2023
Instrument2023081043
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyKNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,500.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address36 RUE DES MAGDELEINES, BECKEMEYER, IL 62219

Transferred To (Grantee/Buyer)

NameVerified Name
Address412 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812
InvestorPossibly a Property Investor

Mortgage

Document Number0000584124
DateOct 13, 2023
Instrument5841/24
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2053

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 08, 2019
Property Address412 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812
Document Number0046780548
Book / Page4678 / 0548
Map ReferenceMB 56 PG 83-90
Instrument DateFeb 08, 2019
Instrument2019009172
Transaction TypeTransfer
Record UpdatedAug 31, 2021
Title CompanyISLAND TITLE OF ST AUGUSTINE

Transaction

AmountAmount Recorded
Tax$2,251.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address113 LIONS GATE DR, 113, SAINT AUGUSTINE, FL 32080-5398

Transferred To (Grantee/Buyer)

NameVerified Name
Address412 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812

August 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST JOHNS FL
Recording DateAug 02, 2018
Property Address412 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812
Document Number0045901549
Book / Page004590 / 001549
Instrument DateJul 31, 2018
Instrument55948
Transaction TypeTransfer
Record UpdatedAug 15, 2018
Title CompanySOUTHEAST PROF TITLE L

Transaction

AmountAmount Recorded
Tax$1,837.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address113 LIONS GATE DR ST AUGUSTINE FL 320805398, ST AUGUSTINE, FL 32080-5398

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$425,657 (-4.01%) Land $87,500 Building $338,157$425,657 (-4.01%) Land $87,500 Building $338,157
2025$6,306.00 (+9.42%)$443,459 (+0.95%)$443,459 (+0.95%) Land $87,500 Building $355,959
2024$5,763.00 (+9.94%)$439,268 (-0.95%)$439,268 (-0.95%) Land $70,000 Building $369,268
2023$5,242.00 (+10.5%)$443,464 (+13.41%)$443,464 (+13.41%) Land $70,000 Building $373,464
2022$4,744.00$391,012$391,012 Land $70,000 Building $321,012

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 102 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies102 in force
Nearby Flood Claims1 (2011)
Claims Outside the SFHA1 of 1
Most Recent ClaimAug 2011 · rainfall accumulation

Wildfire

Wildfire RiskModerate
above 48% of the US · lower than 81% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 217 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSJCU-CR214 MAINLAND WTP
serves 66,953 people
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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