St. Johns County property record for 416 Talbot Bay Dr, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,217 sqft · built 2006 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $445,000 (Sep 2023) |
| Tax Bill | $3,568 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 182324-0930 |
| Primary APN | 182324-0930 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,217 sqft Living Area |
| Gross Area | 2,914 sqft |
| 1st Floor Area | 2,217 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 447 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 328 sqft |
| Patio Area | 342 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 416 TALBOT BAY DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-1812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 56/83-90 GRAND CAY LOT 93 OR5828/1046 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 19 |
| Legal Subdivision | GRAND CAY |
| Legal Tract | D |
| Legal Block | 1 |
| Legal Lot Number | 93 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 21208 |
Source: St. Johns County records · APN 182324-0930
Assessment roll updated April 13, 2026 · Last verified August 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 | 416 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 08, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 20, 2023 · Amount on Record |
| Deed Sale | Sep 20, 2023 · Amount on Record |
| Prior Sale | May 21, 2014 · Amount on Record |
| Deed Document Number | 202374524 |
| Deed Book / Page | 5828 / 1046 |
| Prior Transfer Date | Nov 08, 2021 |
| Prior Transfer Doc | 0054141942 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 416 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 416 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812 |
| Document Number | 0063240669 |
|---|---|
| Date | Mar 16, 2026 |
| Book Page | 6324/669 |
| Instrument | 2026022266 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 20, 2023 |
| Property Address | 416 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812 |
| Document Number | 0058281046 |
| Book / Page | 5828 / 1046 |
| Map Reference | MB 56 PG 83-90 |
| Instrument Date | Sep 19, 2023 |
| Instrument | 2023074524 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | CAPSTONE TITLE LLC, COAST ONE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,115.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 324 CHELSEA PLACE AVE, ORMOND BEACH, FL 32174-0682 |
| Name | Verified Name |
|---|---|
| Address | 416 TALBOT BAY DR, ST AUGUSTINE, FL 32086-1812 |
| Document Number | 0058281048 |
|---|---|
| Date | Sep 20, 2023 |
| Instrument | 5828/1048 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 08, 2021 |
| Property Address | 416 TALBOT BAY DR, SAINT AUGUSTINE, FL 32086-1812 |
| Document Number | 0054141942 |
| Book / Page | 5414 / 1942 |
| Map Reference | MB 56 PG 83-90 |
| Instrument Date | Nov 08, 2021 |
| Instrument | 2021121490 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 416 TALBOT BAY DR, ST AUGUSTINE, FL 32086-1812 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified August 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $286,388 (+2.7%) | $362,854 (-0.86%) Land $87,500 Building $275,354 | |
| 2025 | $3,568.00 (+13.02%) Homeowner's exemption | $278,859 (+2.9%) | $366,002 (+2.07%) Land $87,500 Building $278,502 |
| 2024 | $3,157.00 (+18.64%) Homeowner's exemption | $271,000 (+18.36%) | $358,567 (+0.15%) Land $70,000 Building $288,567 |
| 2023 | $2,661.00 (+3.22%) Homeowner's exemption | $228,972 (+3%) | $358,027 (+12.05%) Land $70,000 Building $288,027 |
| 2022 | $2,578.00 Homeowner's exemption | $222,303 | $319,520 Land $70,000 Building $249,520 |
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
| 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 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 |
Based on FCC filings for 217 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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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