St. Johns County property record for 428 Gallardo Cir, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,980 sqft · built 2018 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $364,765 (Apr 2018) |
| Tax Bill | $3,562 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Apr 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 284197-0240 |
| Primary APN | 284197-0240 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,980 sqft Living Area |
| Gross Area | 2,732 sqft |
| 1st Floor Area | 1,980 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 532 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 500 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 428 GALLARDO CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-7742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 61/41-42 ESTATES OF TUSCANY PHASE 2A-1 BLK 197 LOT 24 OR4537/545 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 41 |
| Legal Subdivision | ESTATES OF TUSCANY PHASE 2A-1 |
| Legal Phase | 2A |
| Legal Block | 197 |
| Legal Lot Number | 24 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 21210 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 428 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · Line of Credit AMERIS BANK |
| Apr 26, 2018 | Grant Deed, Transfer ANCHOR TITLE AND LAW PA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2018 · Amount on Record |
| Deed Sale | Apr 26, 2018 · Amount on Record |
| Deed Document Number | 201828148 |
| Deed Book / Page | 4537 / 545 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 428 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 428 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Document Number | 0063211252 |
|---|---|
| Date | Mar 10, 2026 |
| Book Page | 6321/1252 |
| Instrument | 2026020893 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | ATLANTA, GA 30305 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 26, 2018 |
| Property Address | 428 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Document Number | 0045370545 |
| Book / Page | 004537 / 000545 |
| Instrument Date | Apr 20, 2018 |
| Instrument | 28148 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2018 |
| Title Company | ANCHOR TITLE AND LAW PA |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,553.36 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 428 GALLARDO CIR ST AUGUSTINE FL 320867742, ST AUGUSTINE, FL 32086-7742 |
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 | $285,970 (+2.7%) | $449,950 (-6.2%) Land $120,000 Building $329,950 | |
| 2025 | $3,562.00 (+13.01%) Homeowner's exemption | $278,452 (+2.9%) | $479,688 (+2.53%) Land $120,000 Building $359,688 |
| 2024 | $3,152.00 (+2.04%) Homeowner's exemption | $270,604 (+3%) | $467,861 (+6.34%) Land $120,000 Building $347,861 |
| 2023 | $3,089.00 (+3.07%) Homeowner's exemption | $262,722 (+3%) | $439,963 (+3.61%) Land $120,000 Building $319,963 |
| 2022 | $2,997.00 Homeowner's exemption | $255,070 | $424,639 Land $90,720 Building $333,919 |
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 61 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 61 in force |
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 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 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 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
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