St. Johns County property record for 413 Talbot Bay Dr, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,635 sqft · built 2008 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on File |
| Last Sale | $302,000 (Jan 2019) |
| Tax Bill | $5,207 (2025) |
| Deeds & Mortgages | Jan 2019 Sale & Mortgage Mar 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 182324-1070 |
| Primary APN | 182324-1070 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,635 sqft Living Area |
| Gross Area | 3,125 sqft |
| 1st Floor Area | 1,457 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 490 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 258 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 413 TALBOT BAY DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-1813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 56/83-90 GRAND CAY LOT 107 OR4663/1926 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 19 |
| Legal Subdivision | GRAND CAY |
| Legal Block | 1 |
| Legal Lot Number | 107 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 21208 |
Source: St. Johns County assessment roll, APN 182324-1070, as of April 13, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 80 DAMON RD, 3301, NORTHAMPTON, MA 01060-1850 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 04, 2019 | Warranty Deed, Transfer · Conventional with PMI NAVY FCU |
| Mar 24, 2018 | Loan Modification, Mortgage · Conventional Mortgage SPACE COAST CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 04, 2019 · Amount on Record |
| Deed Sale | Jan 04, 2019 · Amount on Record |
| Prior Sale | Mar 12, 2008 · Amount on Record |
| Deed Document Number | 2019965 |
| Deed Book / Page | 4663 / 1926 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 04, 2019 |
| Property Address | 413 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1813 |
| Document Number | 0046631926 |
| Book / Page | 004663 / 001926 |
| Instrument Date | Jan 03, 2019 |
| Instrument | 965 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,114.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 413 TALBOT BAY DR ST AUGUSTINE FL 320861813, ST AUGUSTINE, FL 32086-1813 |
| Document Number | 46631928 |
|---|---|
| Date | Jan 04, 2019 |
| Book Page | 004663/001928 |
| Instrument | 966 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 03, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 413 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1813 |
| Document Number | 0045291575 |
| Instrument Date | Mar 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2018 |
| Name | Verified Name |
|---|---|
| Address | 413 TALBOT BAY DR ST AUGUSTINE FL 320861813, ST AUGUSTINE, FL 32086-1813 |
| Document Number | 0045291575 |
|---|---|
| Date | Apr 11, 2018 |
| Book Page | 004529/001575 |
| Instrument | 24141 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32941 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 10, 2038 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
Source: St. Johns County assessment roll as of April 13, 2026 · Last verified May 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 | $377,167 (-5.85%) Land $80,500 Building $296,667 | $377,167 (-5.85%) Land $80,500 Building $296,667 | |
| 2025 | $5,207.00 (+8.96%) Homeowner's exemption | $400,608 (+0.07%) | $400,608 (+0.07%) Land $80,500 Building $320,108 |
| 2024 | $4,779.00 (-0.19%) Homeowner's exemption | $400,322 (-0.88%) | $400,322 (-0.88%) Land $64,400 Building $335,922 |
| 2023 | $4,788.00 (+10.5%) | $403,896 (+13.45%) | $403,896 (+13.45%) Land $64,400 Building $339,496 |
| 2022 | $4,333.00 | $356,009 | $356,009 Land $64,400 Building $291,609 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), as of September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090212081, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 102 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 102 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2011 · rainfall accumulation |
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, 217 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max 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 |
Source: EPA Safe Drinking Water Information System, water system FL2554447, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SJCU-CR214 MAINLAND WTP serves 66,953 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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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