St. Johns County property record for 452 Gallardo Cir, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,760 sqft · built 2009 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $430,000 (Aug 2015) |
| Tax Bill | $5,131 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 284197-0180 |
| Primary APN | 284197-0180 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 19 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,760 sqft Living Area |
| Gross Area | 3,501 sqft |
| 1st Floor Area | 2,304 sqft |
| Attic | Attic |
| Attic Area | 272 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 469 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 931 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 333 sqft |
| Deck Area | Deck Area |
| Patio Area | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 452 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 18 OR4066/1359 |
| 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 | 18 |
| 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 June 17, 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 | 452 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 12, 2019 | Deed of Trust, Mortgage · VA Mortgage CAPITAL BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2015 · Amount on Record |
| Deed Sale | Aug 4, 2015 · Amount on Record |
| Deed Document Number | 201548922 |
| Deed Book / Page | 4066 / 1359 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 452 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | A AND A TITLE, A & A TITLE |
| Name | Verified Name |
|---|---|
| Address | 452 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Document Number | 0051850875 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 5185/875 |
| Instrument | 2021019278 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 452 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0048480336 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | 4848/0336 |
| Instrument | 2019093263 |
| Name | CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Address | ROCKVILLE, MD 20850 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
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 | $405,591 (+2.7%) | $562,633 (-9.06%) Land $120,000 Building $442,633 | |
| 2025 | $5,131.00 (+12.23%) Homeowner's exemption | $394,928 (+2.9%) | $618,710 (+5.3%) Land $120,000 Building $498,710 |
| 2024 | $4,572.00 (+1.96%) Homeowner's exemption | $383,798 (+3%) | $587,569 (+6.24%) Land $120,000 Building $467,569 |
| 2023 | $4,484.00 (+2.77%) Homeowner's exemption | $372,619 (+3%) | $553,046 (+2.54%) Land $120,000 Building $433,046 |
| 2022 | $4,363.00 Homeowner's exemption | $361,766 | $539,359 Land $90,720 Building $448,639 |
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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