444 Gallardo Cir, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 444 Gallardo Cir, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,605 sqft · built 2007
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on Record
Last Sale	$377,000 (Mar 2015)
Tax Bill	$5,042 (2025)
Deeds & Mortgages	May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`284197-0200`

Property Details

APN / Parcel Number

Primary APN	`284197-0200`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,605 sqft Living Area
Gross Area	3,375 sqft
1st Floor Area	2,301 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	770 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	844 sqft
Porch	Finished/Open Porch
Porch Area	272 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	444 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	61/36-40 ESTATES OF TUSCANY PHASE 2A BLK 197 LOT 20 OR3994/834
Legal Range	30E
Legal Township	08S
Legal Section	41
Legal Subdivision	ESTATES OF TUSCANY PHASE 2A
Legal Phase	2A
Legal Block	197
Legal Lot Number	20
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	3
Census Block	3010
Census Tract	21210

Owner

Source: St. Johns County records, as of June 17, 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 Record
Mailing Address	444 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2015 · Amount on Record
Deed Sale	Mar 3, 2015 · Amount on Record
Prior Sale	Aug 14, 2007 · Amount on Record
Deed Document Number	201512614
Deed Book / Page	3994 / 834
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	444 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742
Document Number	0043770141
Book / Page	004377 / 000141
Instrument Date	May 8, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	444 GALLARDO CIR ST AUGUSTINE FL 320867742, ST AUGUSTINE, FL 32086-7742

Mortgage

Document Number	0043770141
Date	May 22, 2017
Book Page	004377/000141
Instrument	35217

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$403,950 (+2.7%)	$547,067 (-6.64%) Land $120,000 Building $427,067
2025	$5,042.00 (+10.76%) Homeowner's exemption Widower's exemption	$393,330 (+5.99%)	$585,962 (+12.08%) Land $120,000 Building $465,962
2024	$4,552.00 (+1.95%)
2023	$4,465.00 (+2.79%) Homeowner's exemption	$371,112 (+3%)	$522,815 (+2.9%) Land $120,000 Building $402,815
2022	$4,344.00 Homeowner's exemption	$360,303	$508,070 Land $90,720 Building $417,350

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

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