St. Johns County property record for 415 Talbot Bay Dr, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,674 sqft · built 2008 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Company Name on Record |
| Last Sale | $287,100 (Feb 2008) |
| Tax Bill | $2,360 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 182324-1080 |
| Primary APN | 182324-1080 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,674 sqft Living Area |
| Gross Area | 3,122 sqft |
| 1st Floor Area | 1,496 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 448 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Unfinished Open Porch |
| Porch Area | 90 sqft |
| Patio Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 415 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 108 OR3047/543 & 4655/1038 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 19 |
| Legal Subdivision | GRAND CAY |
| Legal Block | 1 |
| Legal Lot Number | 108 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 21208 |
Source: St. Johns County records, as of April 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 415 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1813 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jul 6, 2022 | Deed of Trust, Mortgage · Line of Credit AMERIS BANK |
| Jun 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Dec 18, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 21, 2008 · Amount on Record |
| Deed Sale | Feb 21, 2008 · Amount on Record |
| Deed Document Number | 200810324 |
| Deed Book / Page | 3047 / 543 |
| Last Transfer Date | Dec 17, 2018 |
| Transfer Doc | 0046551038 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 415 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1813 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 415 TALBOT BAY DR, ST AUGUSTINE, FL 32086-1813 |
| Investor | Possibly a Property Investor |
| Document Number | 0055911851 |
|---|---|
| Date | Jul 6, 2022 |
| Book Page | 5591/1851 |
| Instrument | 2022066214 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | SAINT AUGUSTINE, FL 32086 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jun 24, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 415 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1813 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 415 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1813 |
| Investor | Possibly a Property Investor |
| Document Number | 0052961964 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 5296/1964 |
| Instrument | 2021069264 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 18, 2018 |
| Property Address | 415 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1813 |
| Document Number | 0046551038 |
| Book / Page | 004655 / 001038 |
| Instrument Date | Dec 17, 2018 |
| Instrument | 89907 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 415 TALBOT BAY DR ST AUGUSTINE FL 320861813, ST AUGUSTINE, FL 32086-1813 |
| Investor | Possibly a Property Investor |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $194,339 (+2.7%) | $367,794 (-1.22%) Land $80,500 Building $287,294 | |
| 2025 | $2,360.00 (+14.29%) Homeowner's exemption | $189,230 (+2.9%) | $372,321 (+0.6%) Land $80,500 Building $291,821 |
| 2024 | $2,065.00 (+2.23%) Homeowner's exemption | $183,897 (+3%) | $370,090 (-0.92%) Land $64,400 Building $305,690 |
| 2023 | $2,020.00 (+3.54%) Homeowner's exemption | $178,541 (+3%) | $373,530 (+13.38%) Land $64,400 Building $309,130 |
| 2022 | $1,951.00 Homeowner's exemption | $173,341 | $329,458 Land $64,400 Building $265,058 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
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: 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 | 0.1% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
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