417 Gallardo Cir, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 417 Gallardo Cir, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,739 sqft · built 2021
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$480,715 (Apr 2021)
Tax Bill	$6,461 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`284196-0090`

Property Details

APN / Parcel Number

Primary APN	`284196-0090`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,739 sqft Living Area
Gross Area	3,638 sqft
1st Floor Area	2,739 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	537 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	417 GALLARDO CIR
City	SAINT AUGUSTINE
State	FL
Zip	32086-7743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	61/36-40 ESTATES OF TUSCANY PHASE 2A BLK 196 LOT 9 OR5226/1423
Legal Range	30E
Legal Township	08S
Legal Section	41
Legal Subdivision	ESTATES OF TUSCANY PHASE 2A
Legal Phase	2A
Legal Block	196
Legal Lot Number	9
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	3
Census Block	3008
Census Tract	21210

Owner

Source: St. Johns County records · APN 284196-0090

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 Record	Individual Name on File
Mailing Address	417 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 05, 2021 · Amount on Record
Deed Sale	Apr 05, 2021 · Amount on Record
Prior Sale	May 13, 2014 · Amount on Record
Deed Document Number	202136665
Deed Book / Page	5226 / 1423
Record Updated	Jun 08, 2026

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 05, 2021
Property Address	417 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7743
Document Number	0052261423
Book / Page	5226 / 1423
Map Reference	MB 61 PG 36
Instrument Date	Mar 24, 2021
Instrument	2021036665
Transaction Type	Transfer
Record Updated	Aug 02, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,365.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7743

Mortgage

Document Number	0052261425
Date	Apr 05, 2021
Instrument	5226/1425

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$558,426 (+13.12%)	$611,622 (+0.38%) Land $120,000 Building $491,622
2025	$6,461.00 (+11.88%) Homeowner's exemption	$493,667 (+5.99%)	$609,305 (+12.39%) Land $120,000 Building $489,305
2024	$5,775.00 (+1.92%)
2023	$5,666.00 (+2.64%) Homeowner's exemption	$465,781 (+3%)	$542,118 (+19.88%) Land $120,000 Building $422,118
2022	$5,520.00 Homeowner's exemption	$452,215	$452,215 Land $90,720 Building $361,495

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 in force

Wildfire

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

Based on FCC filings for 114 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 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

Violations Reported to EPA

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.